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CASCO insurance for your company's transport
the safety of your vehicle
12 months
territory of the Republic of Moldova Turkey, Europe, and CIS (except areas of military conflict)
CASCO total
despre
CASCO is the insurance that covers damage to your vehicle due to accidents, unlawful actions of third parties, natural disasters or other covered events, and theft of the car, its parts or components.
The insured amount - the vehicle's actual value according to average market prices when the insurance contract is concluded.
Insured items:
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cars |
trucks |
buses |
minibuses |
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agricultural/special machinery |
tractors |
trailers / semi-trailers |
additional equipment |
Risks covered - the full package of risks, consisting of the damage and theft risk groups:
- Accidents: collisions, impacts, rollovers, scrapes, falls, skids, falling objects on the vehicle;
- Fire, explosion, smoking, staining, charring or other damage as a result of fire;
- Natural disasters: flooding, mechanical action of flowing water or objects carried by water, storm, hail, hurricane, earthquake, landslide or landslide, lightning, heavy rain, weight of snow or ice, snow avalanche;
- Unlawful actions of third parties;
- Theft (both of the vehicle and parts or components indicated in the insurance), including damage caused as a result of theft, robbery or burglary and attempted theft;
- Necessary and reasonable expenses incurred to rescue the vehicle or mitigate the effects of the insured risk on the vehicle;
- Expenses for the transportation of the vehicle in the event of impossibility to move it.
CASCO insurance advantages:
- Covers the complete package of risks - CASCO total;
- Flexibility and operativity when concluding contracts;
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Providing advisory assistance for the entire insurance term;
- Provision of technical, advisory, legal assistance, etc., throughout the insurance period;
- Priority on minimum claim payment;
- Repair of the vehicle in the best technical repair centres;
- Guaranteed cover with one of the country's largest/safest insurance companies.
tarife
The insurance premium is calculated according to the type of vehicle, the year of production, its value and the usage profile
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CASCO insurance |
Vehicle type |
Tariff |
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cars |
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from 3,6 % |
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buses |
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from 3,5 %
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trucks |
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from 2,4 %
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agricultural/special machinery |
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from 0,5 %
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trailers |
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from 1,4 %
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What factors influence the cost of CASCO insurance?
The conditions of CASCO insurance vary from one insurance company to another (depending on the covered risks, the value of the deductible, payment methods, and other important contractual aspects).
The price of a CASCO insurance policy can vary depending on:
- ivehicle characteristics
- model/brand
- age of the vehicle
- market value.
- contractual clauses and additional options
- covered risks (coverage package)
- presence/absence of a deductible and its amount
Note: The deductible amount differs from one insurance company to another.
It can be applied as:
- percentage of each damage value
- percentage of the insured amount
- fixed amount
- insurance term
- full payment or instalment options
- geographical extension (territory of coverage)
- special clauses, for which an additional premium is paid, covering risks such as: repair at the dealer, etc.
- Driver’s experience and damage history
- age, driving experience, and the number of authorized drivers
- the driver’s damage history.
What is a deductible?
The deductible is the portion of the damage borne by the policyholder. It represents the part of the damage value that the vehicle owner must cover rather than the insurer.
documente necesare
- Registration certificate of the vehicle;
- Documents confirming the value of the vehicle
- (for new cars): sales contract and/or tax invoice
- (for those with a turnover): valuation report, only if there is, otherwise according to market analysis
- If the good belongs to the individual ID and driving license will be required.
insured event?
If an insurance claim occurs, the policyholder must:
- make maximum efforts and take all necessary measures to save and mitigate the loss to the extent possible and safely, depending on the circumstances;
- notify the competent authorities, depending on the case (police, firefighters, etc.) to obtain the necessary documents providing the occurance of the accident;
- make a copy of the insurance policy (RCA, Green Card insurance) in situations when a third party is responsible for the accident;
- notify the insurance company in writing within 24 hours.
- present the damaged vehicle to the insurance company as soon as possible, but no later than 2-3 working days (depending on the insurance company’s contractual terms) from the accident date, for the settlement of the claim. Alternatively, allow the insurance company’s representative to inspect the vehicle at its location.
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