Casco insurance for business

All insured events

In case of occurrence of an unexpected event, casco insurance will cover the company’s car against the following risks:

• fire;
• forces of nature;
• traffic accidents;
• collision with an animal;
• unlawful acts by third parties;
• theft, robbery;
• broken or damaged windscreens;
• other risks.

Fire

coverage is valid against fire or explosion when caused by causes beyond the control of the policyholder.

Forces of nature

coverage is valid against any damage to or destruction of the vehicle caused by natural phenomena such as storm, downpour, hail, flood,  landslide, snow pressure etc.

Traffic accident

coverage is valid against an accident on a road, public or private property, resulting in death or injury to persons or damage to at least one vehicle, cargo, the road, its structures or any other property at the scene of the accident.

Collision with an animal

coverage is valid against a traffic accident where the insured vehicle is damaged as a result of collision with a domestic or wild animals.

Unlawful actions of third parties

coverage is valid against any direct damage to or destruction of the insured vehicle caused by the unlawful actions of third parties, provided it is not theft or robbery.

Theft and robbery

coverage is valid against dispossession of another’s property, as well as dispossession using physical violence or threats to use it immediately or otherwise depriving the victim of the opportunity to resist.

Broken or damaged windscreens

coverage is valid against any sudden and unexpected accident in which only the glass of the vehicle is damaged by external forces and no other parts of the vehicle are damaged.

Other risks

coverage is valid against other incidents where the vehicle is damaged, destroyed or stolen due to external forces. Not valid for the non-insured events referred to in the terms and conditions.

Accident insurance

Accident insurance is valid when insuring the driver and passengers against the risk of accidents on the road, i.e. death and disability.

Road assistance insurance

is valid:

• for transport services following an accident, breakdown or driver’s health problem;
• when covering fuel delivery, assistance at the scene of the accident, extension/return costs or accommodation;
• for other events specified in the insurance terms and conditions.

Replacement car

is valid together with road assistance insurance in the event of an accident, a replacement car is provided under the conditions set out in the insurance terms and conditions.

Insurance against damage to the property of others

If you have chosen this insurance, we will pay the costs incurred by an injured third party as a result of damage to him/her or to his/her property during an insured event, up to the sum insured specified in the insurance contract, when:

• damage is caused in an accident to a car trailer being towed by a car when the trailer is not owned by you;
• damage caused to a charging station while charging an insured electric car connected to it;
• damage caused to a car temporarily provided to you to drive, which is not specified in the insurance contract.

Temporary car rental insurance

If you have chosen this insurance and your insured car cannot be used temporarily, we will pay the cost of hiring another car. The rental period will be based on the duration of the repair but will not exceed the rental period specified in the insurance contract.

Personal belongings insurance

If you choose this insurance, we will reimburse incurred losses or damage to the personal belongings of drivers and passengers that were in the insured car. In the case of a theft and robbery, we will only pay for lost items if they were kept in a locked car. We will pay up to the sum insured specified in the contract and the value of the lost or damaged belongings.

Rented car deductible insurance

If you have chosen this insurance, we will pay the amount of the deductible if you cause damage to the rented car and have to reimburse the applicable deductible.