ddor

Casco insurance

Casco insurance

DDOR casco insurance is a type of motor insurance that offers protection against a wide range of risks which 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 disaster, 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 (collision, impact, overturn, skidding), regardless of whether the insured was at fault or not;
  • fall or impact of an object;
  • fire;
  • explosion;
  • sudden thermal or chemical external effects;
  • thunderbolt, windstorm, hail, or snow avalanches;
  • fall of an aircraft;
  • manifestations and demonstrations;
  • acts of vandalism by third parties;
  • damage to the vehicle caused directly by wild or domestic animals.

For those who wish extra safety, 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 always 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 new and expensive vehicles.

The key benefits include coverage for repair costs, replacement parts, or compensation for the total loss of your vehicle. Additionally, DDOR offers discounts and benefits 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 amount of insurance premium upfront.
  • Choose the risks you wish to have covered – you decide whether you wish to be protected against theft or additional risks to create a policy that suits your needs.
  • Flexible payment options – choose between a one-time payment or monthly installments, which helps you plan your budget.
  • Adjustable deductible – decide how much of the damage you are willing to cover and directly affect the 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 get an accurate estimate tailored to your needs. This tool provides all the information you require in just a few steps, without needing to visit an office.

To get a precise calculation, simply enter basic data about your vehicle, including its brand, model, year of manufacture, and the desired scope of coverage. Based on this information, you will receive an offer to your e-mail address 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 vehicle type, the vehicle condition (new or used), 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 and 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 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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