CASCO

– Fire/Lightning/Explosion/Fall of aircraft on the insured vehicle, parts thereof or transported objects or impact with them, except for explosive devices;

– natural disasters – events caused by the following natural calamities: earthquake; storm; flood due to natural causes; landslide; atmospheric phenomena; hail, hurricane; weight of snow, ice or avalanche;

In addition to these risks, the following may be added:

– Collisions, hits or bumps with other vehicles, animals or any mobile or immobile objects located outside or inside the insured vehicle, scratches, falls of the vehicle (fall into a precipice, fall into water during transhipment, fall due to bridge collapse), falling bodies on the vehicle, skidding or overturning, except for damage caused exclusively to glass surfaces. To insure cracking, fracturing, chipping and/or scratching of glass surfaces, even if the insured risks have not occurred, there may be another clause;

– Damage caused by the action of animals (e.g. rodents, etc.);

– Total theft (complete theft of the vehicle);

– Burglary and/or robbery – any damage caused to the vehicle as a result of theft or attempted burglary and/or robbery;

– Vandalism – breaking windows, slashing tires, scratching exterior surfaces, etc.

As a rule, events occurring on road sections or in areas prohibited to public traffic, including agricultural fields, are covered only for vehicles specially built and intended for use on such roads.

Additional expenses – within the limit of a percentage of the insured amount of the vehicle and the types of coverage held by the Insured, the Insurer may also compensate for Additional expenses, proven by documents, incurred as a result of the occurrence of an insured event, regarding:

– transportation of the damaged vehicle, on the territory of the Republic of Moldova for the purpose of its rescue or repair, if the vehicle cannot be moved under its own power, to the nearest repair shop to the place of occurrence of the insured event, which can carry out the repair, or to the usual parking place, at the level of transportation expenses charged by specialized companies;

– replacement of the entire locking set, keys – lock cylinder and, where applicable, depending on the constructive model, the fuel tank cap and/or the ignition switch, in the event of theft/loss of its keys;

– damage to the insured vehicle/additional equipment, caused by measures taken during or immediately after the occurrence of the insured event, to save the vehicle or the construction in which it is located or the people immobilized in the vehicle;

– preservation and limitation of damage, resulting from the occurrence of risks covered by the insurance, if these are necessary and useful.

Damage caused to the vehicle by:

– war (declared or not), invasion or action of an external enemy, civil war, riot, revolution, rebellion, insurrection, military dictatorship, conspiracy, strikes, civil disturbances, terrorism;

– confiscation, expropriation, nationalization, requisition, seizure, destruction or damage by order of any government, de facto or de jure, or any public authority;

– atomic explosion, radiation or radioactive infestation resulting from the use of atomic energy or fissile materials;

– pollution or contamination of any nature and from any cause.

– the accident was caused intentionally by the Insured or his agents;

– the claim for compensation is fraudulent or is based on false statements;

– the vehicle did not have a valid registration certificate or, only in the case of vehicles purchased directly from manufacturers or dealers in Romania, a valid traffic permit;

– a criminal investigation was initiated in connection with the accident, until its completion;

– at the time of the accident, the vehicle was driven or operated by a person without a valid driving license for the respective category of vehicles, or after the driving license was withdrawn, canceled or withheld for cancellation, or as a result of the suspension of the right to drive; in the case of special-purpose machines and/or equipment, no compensation is granted if they were driven or operated by a person who did not have the training, certification and right to drive such machines and/or equipment;

– the accident occurred while driving the vehicle under the influence of alcoholic beverages or psychotropic substances, as well as during the commission of acts incriminated by the legal provisions regarding traffic on public roads as crimes, even if these acts did not occur on such roads, or during the commission of other crimes;

– the commission by the Insured or his/her subordinates of crimes committed intentionally or while they, authors of a crime committed intentionally, were trying to evade prosecution;

– cases in which the person covered by the insurance favored the occurrence of the insured risks or diminished the possibility of reducing their consequences.

The insurer is exempted from paying compensation if the damage is the consequence of:

a) a malfunction if the periodic technical inspection (ITP) of the vehicle was expired on the date of the insured event and the event occurred while the vehicle was in motion;

b) transformations, improvisations, adaptations not authorized by the manufacturer, repairs and/or interventions performed by unauthorized persons.