INSURANCE OBJECT

The passenger cars (9 seats the most), the land-rovers, the mixt automobiles whose authorized maximum weight does not go beyond 3,5t.

INSURED RISKS

BASIC RISKS

• Collisions, percussions or impacts with other cars or with bodies from outside the insured car, scratches, car falls, body falls on the car, skiddings, overturnings;
• Fire, explosion, thunders;
• Atmospheric phenomena;
• Natural catastrophes.

ADDITIONAL RISKS

• Theft and vandalism.

ADDITIONAL SERVICES

OPTIONAL, by paying an additional premium, it is granted:

• Car in exchange, on the Romanian territory, as long as the insured car is in repair, but not more than 15 days cumulated, during the insurance period;
• The car in exchange will be made available for the Insured within 24 hours from the reception of the solicitation by EUROINS.

TERRITORIALITY

The insurance is valid throughout the EU* states.
To extend the risk outside the EU*, a special clause will be concluded with the payment of an additional premium.
By exception from the previous paragraph, the insurance can be extended costless, only if the Insured concludes with EUROINS a civil liability insurance for vehicles (Green Card) for the countries outside the EU*.

LIABILITY PERIOD

The insurance period is for 12 months, but not less than 6 months.
For the vehicles in leasing the insurance can be concluded for the entire leasing period.

FRANCHISE

The insured will support a mandatory deductible franchise of 15% from the insured amount for the car theft.
The insured will support a mandatory deductible franchise of:

• 0,5% from the insured amount for partial damages, if the car driver is over 25 years old and the driving experience (driving license) over 2 years ;
• 1% from the insured amount for partial damages, if the car driver is under 25 years old and the driving experience (driving license) under 2 years;

The insurance can be concluded also with franchises different form the mandatory ones, with the proper modification of the insurance premium.

INSURANCE PREMIUM

The insurance premiums are acquitted in advance and integrally or in at most four installments.
Under circumstances in which the insured amount is established:

INSURED AMOUNT

The cars are included in the insurance at:

• Their real value, at the insurance conclusion date, determined according to remained value coefficient;
• The first sale value (from the invoice or the price lists from the auto dealers);
• The insurance amount is established and is registered in the insurance policy in euro or lei;
• The additional equipments are insured at the real value at the insurance conclusion date and it cannot go beyond 20% from the insured amount of the car.