CASCO Insurance

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DESTINE INSURANCE BROKER – REINSURANCE can always advise you on the risks to which your car is exposed and can recommend you to buy adequate protection, adapted to your specific needs and budget, through quick and efficient access to the best product offers Casco.

Closing the CASCO policy

CASCO is an optional insurance, based on which the insurance company pays compensation for almost any damage suffered by the insured vehicle. Not being mandatory by law, the decision to conclude a CASCO insurance contract belongs to the owner of the vehicle, natural or legal person. In the case of vehicles purchased through leasing, CASCO insurance is mandatory, and the price of the policy is paid by the user, while the insured is the leasing company.

As CASCO insurance offers differ from one insurer to another, it would be ideal for the purchase of such a policy to be made through a broker, who has the necessary expertise to analyze the risks to be covered and to quickly identify the products available in the market. which can most effectively cover these risks.

asigurare-casco
asigurare-casco
Closing the CASCO policy

CASCO is an optional insurance, based on which the insurance company pays compensation for almost any damage suffered by the insured vehicle. Not being mandatory by law, the decision to conclude a CASCO insurance contract belongs to the owner of the vehicle, natural or legal person. In the case of vehicles purchased through leasing, CASCO insurance is mandatory, and the price of the policy is paid by the user, while the insured is the leasing company.

As CASCO insurance offers differ from one insurer to another, it would be ideal for the purchase of such a policy to be made through a broker, who has the necessary expertise to analyze the risks to be covered and to quickly identify the products available in the market. which can most effectively cover these risks.

asigurare-casco-beneficii
The CASCO policy generally covers damages incurred in the event of the following events:
  • damage to your own car
  • damage caused by bumps, collisions, scratches, overturning, falling bodies on the car
  • damage caused by storms, floods, earthquakes, hail, torrential rain, landslides, avalanches, carbonization, explosion, smoking
  • theft of the vehicle, of some component parts or of the damages caused as a result of the attempted theft
  • damage to the components or parts of the vehicle while they were being dismantled for repair or maintenance
  • transport costs of the damaged vehicle to the repair shop closest to the place where the insured event occurred
  • vandalism
  • loss of keys
Clauses that can be added additionally:
  • Loss and theft of keys
  • Water inside the enging
  • off-road traffic
  • Automatic reimbursement of the insured amount
  • Repair at the brand’s representative
  • Personal accidents
  • damage caused to the vehicle by improper maintenance or improper use, those caused by use, operation, wear or as a result of manufacturing defects of the material or parts (including misplacement), the influence of temperature on the vehicle engine (eg due to freezing of the water in the cooling installation), as well as those produced by the engine, gearbox or differential as a result of the lack or insufficiency of lubrication or overheating;
  • damage to tires or chambers by cutting, puncturing, explosion, except in cases where such damage has resulted from the occurrence of risks insured to the vehicle itself;
  • the damages caused to the additional endowments mounted on the motor vehicle, if they were not declared by the Insured in the application-questionnaire and their value was not included in the insured amount of the motor vehicle;
  • damages of any kind caused to the vehicle as a result of entering it in flooded places;
  • indirect damages (for example: reduction of vehicle values after repair, losses caused by lack of use of the vehicle, etc.)
  • the damages caused to those component parts of the motor vehicle that were damaged at the conclusion of the insurance and are mentioned in its inspection report, which were not remedied by the Insured and ascertained by the Insurer until the date of the insured risk;
  • replacement of certain damaged parts of the insured vehicle body, during the warranty period, for the repair of which, although the repair is technically possible and does not affect traffic safety, the repair unit requires the replacement of the part in order to maintain the warranty;
  • damage caused to any subassembly or component parts of the vehicle by non-compliance with the rules on loading and mooring of goods during transport;
  • damages caused to the vehicle during or as a result of its transportation, towing, towing;
  • the expenses made for the remediation of some unsuccessful repairs, as well as those for the transformation or improvement of the vehicle in comparison with its condition prior to the occurrence of the insured risk;
  • if the Insured has not notified the Insurer in writing, within the term provided in the insurance contract and has proceeded to repair the vehicle without the consent of the Insurer, before his representative makes the finding of damage;
  • damage to the vehicle by:
    – war (declared or not), invasion or action of an external enemy, civil war, revolution, rebellion, insurrection, military dictatorship, conspiracy, strikes, civil unrest, terrorism;
    – atomic explosion, radiation or radioactive infestations as a result of the use of atomic energy or fissile materials;
    – pollution or contamination of any nature and for any reason;
  • damages caused to the vehicle, in cases where:  accident was intentionally caused;
    – the accident occurred during the driving of the vehicle under the influence of alcohol, as well as during the commission of deeds incriminated by the legal provisions regarding traffic on public roads as crimes, even if these deeds did not occur on such roads, or during committing other crimes;
    – the accident occurred while the perpetrator is trying to evade prosecution;
    – the vehicle did not have a valid registration certificate or a valid driving license;
    – at the time of the accident, the vehicle was driven or operated by a person without a valid driving license for the respective category of vehicles, either after the driving license was withdrawn, canceled or retained for cancellation, or as a result of the suspension of the right to drive .
    The provisions of the last two paragraphs do not apply if the insured vehicle was stolen.
  • theft or attempted theft, if the police have not registered a complaint in this regard, as well as if persons from the Insurer’s family-natural person took part in committing the theft or attempted theft, or in the case of the Insured-legal person , its prepositions;
  • the cases in which the person included in the insurance favored the production of the insured risks or diminished the possibility to reduce their consequences.
asigurare-casco-auto
asigurare-casco-auto
Clauses that can be added additionally:
  • Loss and theft of keys
  • Water inside the enging
  • off-road traffic
  • Automatic reimbursement of the insured amount
  • Repair at the brand’s representative
  • Personal accidents
  • damage caused to the vehicle by improper maintenance or improper use, those caused by use, operation, wear or as a result of manufacturing defects of the material or parts (including misplacement), the influence of temperature on the vehicle engine (eg due to freezing of the water in the cooling installation), as well as those produced by the engine, gearbox or differential as a result of the lack or insufficiency of lubrication or overheating;
  • damage to tires or chambers by cutting, puncturing, explosion, except in cases where such damage has resulted from the occurrence of risks insured to the vehicle itself;
  • the damages caused to the additional endowments mounted on the motor vehicle, if they were not declared by the Insured in the application-questionnaire and their value was not included in the insured amount of the motor vehicle;
  • damages of any kind caused to the vehicle as a result of entering it in flooded places;
  • indirect damages (for example: reduction of vehicle values after repair, losses caused by lack of use of the vehicle, etc.)
  • the damages caused to those component parts of the motor vehicle that were damaged at the conclusion of the insurance and are mentioned in its inspection report, which were not remedied by the Insured and ascertained by the Insurer until the date of the insured risk;
  • replacement of certain damaged parts of the insured vehicle body, during the warranty period, for the repair of which, although the repair is technically possible and does not affect traffic safety, the repair unit requires the replacement of the part in order to maintain the warranty;
  • damage caused to any subassembly or component parts of the vehicle by non-compliance with the rules on loading and mooring of goods during transport;
  • damages caused to the vehicle during or as a result of its transportation, towing, towing;
  • the expenses made for the remediation of some unsuccessful repairs, as well as those for the transformation or improvement of the vehicle in comparison with its condition prior to the occurrence of the insured risk;
  • if the Insured has not notified the Insurer in writing, within the term provided in the insurance contract and has proceeded to repair the vehicle without the consent of the Insurer, before his representative makes the finding of damage;
  • damage to the vehicle by:
    – war (declared or not), invasion or action of an external enemy, civil war, revolution, rebellion, insurrection, military dictatorship, conspiracy, strikes, civil unrest, terrorism;
    – atomic explosion, radiation or radioactive infestations as a result of the use of atomic energy or fissile materials;
    – pollution or contamination of any nature and for any reason;
  • damages caused to the vehicle, in cases where:  accident was intentionally caused;
    – the accident occurred during the driving of the vehicle under the influence of alcohol, as well as during the commission of deeds incriminated by the legal provisions regarding traffic on public roads as crimes, even if these deeds did not occur on such roads, or during committing other crimes;
    – the accident occurred while the perpetrator is trying to evade prosecution;
    – the vehicle did not have a valid registration certificate or a valid driving license;
    – at the time of the accident, the vehicle was driven or operated by a person without a valid driving license for the respective category of vehicles, either after the driving license was withdrawn, canceled or retained for cancellation, or as a result of the suspension of the right to drive .
    The provisions of the last two paragraphs do not apply if the insured vehicle was stolen.
  • theft or attempted theft, if the police have not registered a complaint in this regard, as well as if persons from the Insurer’s family-natural person took part in committing the theft or attempted theft, or in the case of the Insured-legal person , its prepositions;
  • the cases in which the person included in the insurance favored the production of the insured risks or diminished the possibility to reduce their consequences.
asigurare-casco-destine-broker
Main elements of the CASCO policy

Assured amount –the value at which the car is insured and which represents the invoice value or that from a specialized catalog, on which a wear coefficient is applied.

Franchise – the part of the damage borne by the beneficiary of the insurance policy, which can be percentage or fixed or can be applied on risk categories.

Insurance premium–pthe policy network, established according to the following elements: the car’s data, the owner’s data, the risks covered, the additional clauses to be opted for. The insurance premium can be paid in full or in installments.

Risks excluded– uninsurable risks specified as such in the insurance policy.

Risk inspection – is performed either by the broker or by the representative of the insurance company. Any pre-existing damage must be specified in the risk inspection report.

How is the insured amount determined?

The vehicles are insured at their real value at the date of concluding or renewing the insurance. The real value of the vehicle represents the sale value again at the date of insurance (according to invoices, catalogs or price lists), less wear, established in relation to its age.

asigurare-casco-destine-broker
asigurare-casco-destine-broker
How is the insured amount determined?

The vehicles are insured at their real value at the date of concluding or renewing the insurance. The real value of the vehicle represents the sale value again at the date of insurance (according to invoices, catalogs or price lists), less wear, established in relation to its age.

asigurare-casco-destine-broker-2
How to sign CASCO insurance

CASCO insurance can be concluded with or without deductible (fixed amount or percentage of the insured amount that remains to be paid exclusively by the insured).

The insurance policy is concluded after the risk inspection of the vehicle, performed by the insurer’s representative and based on the insured’s statements from the questionnaire application. This, together with the vehicle inspection report, the clauses, the annexes to the policy and statements made in writing by the insured regarding the condition of the vehicle, are an integral part of the policy.

At the conclusion of the insurance policy, the applicant must present the original documents of the vehicle: registration certificate and identity card, in the case of new vehicles, purchased directly from manufacturers or dealers in Romania, the policy can be concluded based on the purchase invoice and provisional traffic authorization.

Payment of the insurance premium can be made in full or in installments (maximum 12).

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