• Loss and theft of car keys;
• Water in the engine;
• Off-road drives;
• Automatic refund of the insured amount;
• Repairs at the brand representative;
• Extensive roadside assistance;
• Damage caused exclusively to rims and tires

No compensation is granted for:

– the damage caused to the vehicle by improper maintenance or improper use for its intended purpose is excluded. Damage caused by use, operation, wear, and tear is also excluded. This includes damage from manufacturing defects of the structure or parts, including incorrect setup. Damage caused by the influence of temperature on the vehicle engine is not covered. For example, water freezing in the cooling system is excluded. Damage from the engine, gearbox, or differential due to lack of lubrication is not covered. Overheating damage is also excluded.

– damage caused to tires or cameras through cuts, punctures, and explosions. Except the case when the damages are a result of insured risks that happened and affected the insured vehicle.

– the damages caused to the additional equipment fitted to the vehicle if they were not declared by the insured in the application questionnaire and their value was not included in the vehicle’s insured amount.

– any type of damages caused to the vehicle due to driving it through flooded places.

– indirect damages (for example: reduced monetary value of the vehicle after repairs, losses caused by not using the vehicle, etc).

– damages caused to the parts of the vehicle that were already damaged when the insurance contract was signed and that are mentioned in its inspection report, that were not fixed by the insured and acknowledged by the insurer before the date the insured risk occurred.

– replacing damaged parts of the insured vehicle’s car body, that is still covered by the warranty, for remediation, even though the repair is technically possible, and does not affect the safety of travel, the repair unit requires the replacement of the part to maintain the warranty.

– damages caused to any subassembly or parts of the vehicle by not complying with the rules regarding the loading and mooring of the goods during transportation, towing, or hoisting.

– the expenses incurred for the remedy of unsuccessful repairs, as well as those for the transformation or improvement of the vehicle compared to its condition before the occurrence of the insured risk.

– when the insured did not notify the insurer in writing within the timeframe stated in the insurance contract. The insured also repaired the vehicle without the insurer’s consent. This occurred before the insurer’s representative assessed the damage.

Damages caused to the vehicle by:

War (declared or not), invasion or the actions of an external enemy, civil war, revolution, rebellion, insurrection, military dictatorship, conspiracy, strikes, civil disturbances, terrorism.

Atomic explosion, radiations, or radioactive infestations as a result of using atomic energy or fissile materials.

Pollution or contamination of any nature and from any cause.

Damages caused to the vehicle, when:

– the accident was caused on purpose;

– the accident occurred while driving the vehicle under the influence of alcoholic beverages or while committing acts criminalized by the legal dispositions regarding traffic on public roads, even if these acts did not occur on such roads, or while committing other crimes;

– the vehicle did not have a valid registration certificate or a valid driving permit;

– at the time of the accident, the vehicle was driven or operated by a person without a valid driver’s license for the respective category of vehicles or after their driver’s license was withdrawn, canceled, or withheld for cancellation, or because of the suspension of the right to drive;

– the accident occurred while the perpetrator of the crime was trying to escape pursuit.

The rules mentioned in the last two paragraphs do not apply if the insured vehicle was stolen.

Theft or attempted theft, if no complaint in this regard has been registered with the police, as well as when members of the insurer’s family – individual, or in the case of the insured – legal entity, its subordinates took part in committing the theft or attempted theft;

The cases in which the person included in the insurance favored the occurrence of the insured risks or diminished the possibility of reducing their consequences.

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

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

The insurance premium can be paid in full or in installments (maximum 12). Contact us for more details.