Types of Insurance > Casco Insurance
On-line Premium Calculation

Casco Insurance

Should you sign up a fully casco insurance for your vehicles you cover damages to vehicle caused by damaging or/and destruction of an insured vehicle as well as tools, kits and spare parts due to:

  • traffic accidents such as: overturning the vehicle, crash, hit, slipping out, toppling down etc;
  • fall or impact of an item;
  • fire;
  • thunderbolt;
  • explosion, except of nuclear energy explosion;
  • storms;
  • hailstorm;
  • snow avalanche;
  • fall of all types of aircraft;
  • manifestations and demonstrations;
  • evil intended actions and malice of third parties;
  • damage to upholstery in the insured vehicle, caused by providing first aid to third parties injured in the traffic accident or at some other way;
  • intentional causing of damage to insured vehicle aiming at preventing a bigger damage on that or any other object or parties.

    • Example:
    Premium for Mercedes 190 D
    Nominal value without tax and customs: 36.739,00 KM
    Nominal value with tax and customs: 56.255,00 KM

    Fully casco without
    franchise    		 F r a n c h i s e
    1% 2% 3% 4% 5%
    2.250,00 1.822,00 1.710,00 1.597,00 1.479,00 1.367,00

    Additional 30% is added onto the premium for theft insurance,

  • Premium for fully casco insurance without franchise with theft is:2.925,00 KM

    Participation in the damage in case of theft and total damage is less than in other insurance companies and is 15%.

    Note: 10% service sale tax added to the Premium amount.

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    It is possible to insure for a lesser or agreed value i.e. the value requested by the insuree, where in the case of claim settlement a proportional principle is applied when determining the amount of claim.

    Example:
    Agreed value is 30.000,00KM and catalogue value of the vehicle is 56.255,00 KM.
    Determination of the claim amount is carried out in a following way:

    Claim = (amount of the determined damage x amount insured (30.000,00)) / price of a new vehicle (56.255,00)
    Insurance amount and price of a new vehicle in brackets are expressed in KM.

    Premium calculation is carried out at the start of insurance and premium payment is as agreed. Damage estimate is dome immediately upon notification and liquidation within seven days after completion of claim.
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