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Casco insurance

Casco Insurance

DDOR Casco Insurance is a type of motor insurance that offers protection against a wide range of risks that are not covered by compulsory MTPL insurance.

While compulsory insurance covers damage caused to third parties, Casco Insurance protects your vehicle in cases of collision, theft, natural disasters, vandalism, or other unforeseen incidents. This type of insurance provides vehicle owners with an added level of security and financial protection.

What Is Covered by Casco Insurance?

Casco insurance covers damage caused by:

  • traffic accidents (collisions, impacts, rollovers, skidding), regardless of whether the insured was at fault or not;
  • the fall or impact of objects;
  • fire;
  • explosion;
  • sudden thermal or chemical external effects;
  • lightning, windstorms, hail, or snow avalanches;
  • the fall of aircraft;
  • protests and demonstrations;
  • acts of vandalism by third parties;
  • damage to the vehicle caused directly by wild or domestic animals.

For those who wish extra protection, Casco insurance also covers the risks of vehicle theft or embezzlement, ensuring complete protection in any situation.

No matter how careful a driver you are, not all factors on the road or in parking areas can be controlled. This makes Casco insurance an essential component in safeguarding your budget and providing peace of mind.

Who Is It For and What Are the Benefits?

Casco insurance is designed for all vehicle owners, particularly those who drive frequently, park in public areas, or own newer and high-value vehicles.

The key benefits include coverage for repair costs, replacement parts, or compensation in the event of the total loss of your vehicle. Additionally, DDOR offers discounts and additional advantages to enhance the value of this insurance.

Additional Discounts and Benefits

Casco insurance is designed to provide maximum flexibility, with discounts and benefits tailored to your needs:

  • Driving Experience Discount – enjoy a 5% discount based on your years of driving experience.
  • Upfront Payment Discount – save even more by paying the full insurance premium in advance.
  • Customizable Coverage – choose the risks you want to be covered for, such as theft or additional perils, and create a policy that suits your needs.
  • Flexible Payment Options – select between a one-time payment or monthly installments to better plan your budget.
  • Adjustable Deductible – decide how much of the damage you’re willing to cover, and directly influence your premium amount.

DDOR Osiguranje offers increasing discounts for each consecutive year without a claim. The discount grows progressively, reaching as much as 45% after five or more years of uninterrupted insurance.

1

10%

2

20%

3

30%

4

40%

5 and more years

45%

Casco Insurance Calculator – Get an Estimate Quickly and Easily

With our Casco Insurance Calculator, you can quickly and easily receive an accurate estimate tailored to your needs. This tool provides all the information you need in just a few steps, without the need to visit an office.

To get a precise calculation, simply enter basic details about your vehicle, including its make, model, year of manufacture, and the desired scope of coverage. Based on this information, you will receive an offer via e-mail in the shortest possible time.

Frequently asked questions about casco insurance

  • 1. What Factors Affect the Price of Casco Insurance?

    The price of Casco insurance depends on several factors, including the age of the vehicle, the type of vehicle, the condition of the vehicle (new or used), the driver’s experience, and the insurance period.

  • 2. Is casco insurance compulsory?

    Casco insurance is not compulsory, however, it is highly recommended if you wish to protect your vehicle against a variety of unexpected risks.

  • 3. How Do I Claim Indemnity?

    All you need to do is report the damage to us. We will assess the damage and approve payment based on the agreed terms and conditions of coverage.

  • 4. Can I change my casco package during the insurance period?

    Unfortunately, it is not possible to modify the agreed package during the insurance period. Any changes or adjustments can be made when renewing your insurance or signing a new policy.

  • 5. Can Casco Insurance Be Transferred to Another Vehicle?

    A Casco insurance policy is linked to both the owner and the specific vehicle. In the event of ownership transfer or the purchase of a new vehicle, the existing policy is terminated. A new policy must be concluded for the new vehicle, and our team will be happy to assist you with this process. However, the bonus from the sold vehicle’s policy can be transferred to the newly purchased vehicle, allowing you to save on the insurance premium.

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