CASCO insurance offered by C.A. "Klassika Asigurări" — is, first of all, a guarantee of your peace of mind. This type of insurance provides for the insurance of your vehicle in the event of an event such as: impact, collision, overturning, scratching, total or partial theft (of some components), as well as damage caused as a result of an attempted theft (for example: breaking windows, damage to some components). CASCO insurance is concluded only for the risks provided for in the Conditions of Optional Insurance of Transport Units.
You can insure:
Transport Units;
Additional equipment and accessories of the means of transport that are not included in its factory set;
The life and health of the driver and passengers of the insured means of transport.
How does insurance protection work?
At your request:
quality restoration of the vehicle;
payment of insurance compensation;
payment of repair work on the vehicle (payment of purchased parts).
You receive a discount if:
You have not been involved in any road accidents during the entire period of validity of the insurance contract, when extending the contract for the next year;
Anti-theft devices are installed.
You can insure the vehicle both for the "Damage" risk only (partial CASCO) and for the "Damage + Theft" risks (full CASCO).
Size of "CASCO" insurance coverage:
For "CASCO" insurance, a single limit of the Insurer's liability is established for all circumstances for which insurance protection is provided.
The cost of the insurance policy directly depends on the value of the insured car and its "popularity" among car thieves, varying between 3.6% and 5% of the insured amount.
Insurance coverage is valid on the territory of the Republic of Moldova, Europe and the CIS countries up to the Urals.
The insurance contract is concluded for a period of 1 year, in MDL or in foreign currency.
The deductible is set at 5% of the amount of the damage, in case of partial damage due to the fault of the Insured, and 8% of the insured amount in case of theft or total damage to the means of transport.
Damage – damage or destruction of the insured vehicle or its parts as a result of a road accident, fire, lightning or explosion, even if the lightning or explosion did not cause a fire, natural disasters unusual (unusual) for the locality, falling on the insured vehicle of various foreign objects (including snow and ice), being hit by stones that came out from under the wheels of other vehicles, falling (into a precipice, into water), falling as a result of a bridge collapse, as well as as a result of illegal actions of third parties (including theft of parts and separate details of the insured vehicle);
Theft – theft of the insured vehicle;
Additional equipment – theft, damage, destruction of additional equipment of the vehicle as a result of the events listed in the concepts of “theft” and “damage”.