Casco Insurance

Our Casco policies through the Casco products we have are tailored to your needs and habits as a driver or vehicle owner.

• Are you traveling abroad by car?
• Do you need more protection?
• What risks do you want to insure against?
• Do you choose insurance with your participation in a loss or damage, so-called deductible? 

Consider the advantages and opportunities. We are here to offer you a tailored solution so you can make an easier decision.

Casco policies are negotiated annually and take effect on the date of signing. Short-term policies are also available upon request or upon our team’s recommendation, depending on the circumstances.

WHAT IS IMPORTANT TO GET CASCO INSURANCE?

To make a policy, several elements are essential, based on which we will negotiate the premium:

• the type and category of motor vehicle;
• the value of the motor vehicle, i.e. the sum insured;
• the risks covered by insurance;
• the deductible, choosing your participation in the loss or damage, thereby reducing the premium. 

WE OFFER SEVERAL DIFFERENT CASCO POLICIES

To make it easier for you to determine what kind of policy you need, we have developed four quality casco policies:

• Full Casco Insurance – All Casco Risks Are Included
• Full Casco Insurance Without Theft and Robbery – All Casco Risks, except the risks of theft and robbery;
• Partial Casco Insurance – only the risks of fire, theft and burglary are included, or the insurance covers windows of the vehicle only (for passenger vehicles this risk is often combined with MTPL policies);
• Extended Casco Insurance – for vehicle if travelling outside the geographical area of Europe and insurance of additional equipment including baggage, or the additionally mounted equipment on or in the vehicle (radio-CD player, navigation system, TV, carriers, thresholds, inscriptions, advertisements, accessories, or gadgets, etc.) and personal luggage of the owner or passengers of the vehicle.

CHOOSE THE CASCO POLICY YOU NEED! 

MOTOR VEHICLE INSURANCE

Important: The Sum Insured reflects your vehicle’s value or price. There are two options in our offer, and the decision is yours:

Market Value – Casco Insurance for Passenger Vehicles Only

For new passenger vehicles, the invoice value is guaranteed for the entire year of insurance, excluding depreciation. For used cars, the value is guaranteed according to the catalogue, reduced for depreciation included, for the whole year of insurance.

The vehicle’s value decreases with age, including the production year, resulting in a corresponding decrease in the insurance premium over time.

New Acquisition Value

Casco insurance for motor and rail vehicles intended for passenger and all other categories of motor vehicles and trailers.

ADDITIONAL PASSENGER INSURANCE

Option to supplement your insurance with the same casco insurance policy and insure yourself and your passengers against the consequences of an accident with coverage at your choice.

TERRITORIAL IMPORTANCE OF INSURANCE

Casco insurance is valid in the territory of the Republic of Macedonia and throughout Europe. An additional opportunity to expand its validity beyond Europe.