Casco insurance

What does casco insurance imply?

This insurance provides cover for damages to your own motor vehicle. Unlike MTPL - casco insurance is not compulsory, but voluntary and is concluded in order to ensure that your vehicle is covered in case of various damages. Casco insurance provides cover against wide range of risks to which your car can be exposed.

What risks are covered with casco insurance?

Casco insurance provides protection for all types of motor vehicles and their components against the wide range of risks, such as:

• traffic accident (collision, motor breakdown, overturning, slipping out, etc) - regardless of the fault of the insured,
• fall or blow of some objects,
• fire,
• explosion,
• sudden thermal or chemical external effect,
• lightning,
• storm,
• hail,
• avalanche,
• fall of aircraft,
• manifestation and demonstration,
• malicious acts of third persons.

Only damages caused by earthquake, nuclear risks, war, defects and deliberate damages caused by an insured or co-insured person are excluded.

It is important to point out that apart from these, you may insure against some additional risks, e.g. insurance against theft of a whole vehicle and/or components thereof, fraud and sinking.

Is there a possibility of choosing the most acceptable variant of casco insurance?

In order to provide the most optimal coverage for your vehicle, you may decide on various variants of casco for your vehicle, according to your wish and possibilities. First of all, you decide on the range of coverage, i.e. type of risks against which you will insure your vehicle (basic risks, additional risks, combination of partial insurance, etc). There is also a possibility of choosing casco insurance with or without deductible, which could be absolute or relative. You can also choose the way of premium payment. Since each of the above stated parameters influence the amount of premium, by selecting the option their choice you can come to the price which is the most acceptable for you.

Is there a system of bonuses and discounts?

If a vehicle has been insured for at least one year without interruption and if during this period the policy holder did not receive any insurance indemnity, then he is entitled to bonus for that vehicle in the following insurance year.

Depending on the number of years without claims, the amount of bonus is determined in accordance with the charged premium:

The insured who acquired the right to bonus higher than 50% retains such right until the first claim is submitted or loss of right to bonus due to any other reason.

Policy holders who have concluded casco insurance for all types of vehicles, all risks and manners of insurance according to this tariff system and who have more than 5 vehicles, the insurance premium is defined depending on the ratio between the settled claims and invoiced technical premium in the last three calendar years.

The policy holder whose ratio between the settled claim and the invoiced technical premium in the past three calendar years (including data as at 30.11 in the last year of consideration) was less than 80%, is granted a discount (bonus) to the insurance premium for the next year of insurance, at the percentage equal to the half of difference between 80% and the percentage of the achieved result.

The exclusive bonus and discounts are:

• extra bonus - for the exceptional insured who for at least two years achieve successive right to bonus in the amount of 50%; the amount of bonus will not be lost on the occasion of the first loss,
• discount to the duration of driving experience 3%-10%,
• good driver - discount 20%,
• 10% discount to premium for insurance against the risk of theft for authorised GPS system,
• discount for cash payment,
• possibility of payment in several monthly instalments.

Why conclude casco insurance with DDOR Novi Sad?

If you really want to ensure full protection for your car against many risks, you will surely choose a strong and reliable insurance company. Unlike MTPL where you do not have a possibility to choose the insurance company that will indemnify the damage to your car, here your choice is yours.

A special advantage of taking out a casco policy with DDOR Novi Sad is reflected in the assistance rendered by leading insurers of many countries in case an accident occurs on their territory.

If you find yourself in one of the stated countries and if you suffered the damage by the fault of the driver from the visited country and if you possess a casco insurance policy of DDOR, please ask for assistance from the following insurers:

Holland (NL) Belgium (B)	Nationale - Nederlanden N.V. Bednjven Schade NL-2509 AV Den Haag Prinses Beatrixlaan 35 Tel: +31 70 513 03 03 Fax: +31 70 513 08 90
Austria (A)	Uniqa Versicherungs AG A 1021 Wien Praterstrasse 1-7 Tel: +43 1 211 75 12 90 Fax: +43 1 214 33 36
Germany (D)	Württembergische Versicherung AG D-70163 Stuttgart Gutenbergstrasse 30 Tel: +49 711 662 2610 Fax: +49 711 662 1766
Hungary (H)	Allianz Hungaria Biztosito RT H-1117 Budapest Galvani ut. 44 Tel: +36 1 463 8500 Fah: +36 1 464 8080
Rumania (RO)	Asirom S.A. Asigurarea Romanesca - Asirom RO-70311 Bucuresti 2 Boulevard Carol l. 31-33 Tel: +40 2 12504845 Fax: +40 2 12504188
Czech Republic (CZ)	Generali Pojistovna a.s. CZ-120 84 Praha 2 Tel: +420 221 091 228 Fax: +420 221 091 535
Croatia (HR)	Zagreb osiguranje DD 10000 Zagreb Ozegoviceva 16 Tel: +385 31 209 040 Fax: +385 31 209 050
Slovenia (SLO)	Zavarovalnica "Triglav" d.d. SLO-1000 Ljubljana Miklosiceva cesta 19 Tel: +386 1 474 7562 Fax: +386 1 23 18 385
Macedonia (MK)	QBE "Makedonija" Osiguruvanje a.d. MK-1000 Skopje Tel: +389 2 115 188 Fax: +389 2 131 262
Greece (GR)	ING - Nationale - Nederlanden Greek General Insurance Company S.A. GR 176 71 Athens Tel: +30 1 950 69 11 31 Fax: +30 1 958 73 71