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Casco insurance

Less exceptions, better protection

By choosing our Casco you will get:

  • All risk insurance with a very wide insurance cover.
  • 24h roadside assistance anywhere in Europe.
  • Flexible payments - pay on a monthly basis without increasing the annual premium.
  • Maximum protection for you and your belongings when choosing Elite Casco.

For passenger cars we offer

Standard Casco

Elite Casco

All-risk cover Any sudden and unexpected event. For example fire, traffic accident, vandalism, natural disaster, vehicle collision with a wild animal, theft or robbery, which results in the insured object getting damaged or destroyed, except those excluded in terms and conditions.
Accessories Items permanently attached to the vehicle and a light trailer without cargo (maximum weight 750 kg), roof rack or -box, bike or ski rack, child's safety cot or safety seat, removable GPS equipment and plate number. An extra set of tyres or wheel rims kept in a locked place are also insured as accessories.
24-hour roadside assistance in Europe Roadside assistance will be provided to you on the road if you are not able to start the vehicle, get a flat tire, run out of gas, lock the car key inside the vehicle, get in a road accident, or the vehicle has broken down and, therefore, needs to be transported to a repair shop or storage location.
Replacing car window panes We will repair or replace your damaged car windows without deductible. The glass of exterior mirrors, sunroof and panoramic roof are also covered. Original parts will be used for cars which are up to 3 years old.
Damage to or theft of personal belongings Your personal belongings inside the car are insured, in case they will be stolen or damaged in an insured event. This includes items in the roof box and bicycles fastened to or on top of the car using security devices. The maximum compensation is €1,200 per insured event with a 50 € deductible.
Loss of or damage to keys In the case of loss, theft or robbery of keys or alarm remote control, we will reimburse the cost of keys and alarm remote control recoding, or if that is impossible, the replacement of locks. The deductible in the case of loss of keys is € 50.
Transfer cost In case you can drive your car to a repair shop, we will indemnify for the cost of transporting the vehicle to a repair shop and bringing it back (i.e taxi receipts) up to 50€ per case.
Personal accident insurance If you or the passengers in the vehicle are injured in an insured event which causes you or the passengers a temporary or permanent incapacity to work, or death, we will pay out the accident insurance indemnity. Sum insured per person is € 10 000, daily allowance € 30.
Trip interruption In the event your trip is interrupted due to an insured event (unexpected technical failure, key loss or theft), we will compensate the justified expenses, which you and the persons travelling with you experience on your way home, and if you do not have the possibility to return home on the same day, we will also cover the accommodation and catering expenses. Insurance expenses are necessary and smart expenses.
Replacement car If you are no longer able to use the car due to an insured event, we will reimburse for the cost of renting a replacement vehicle or for other transport expenses approved by us. The renting expenses will be reimbursed for the period not longer than 30 days per one insured event. You can choose the maximum reimbursement per day - either € 30 or € 60. For extra charge For extra charge

Casco insurance provides voluntary vehicle insurance, which will compensate the damages incurred to the vehicle, regardless of who caused the damages.

You should think about getting Casco, if you prefer to secure yourself from unexpected costs.

We do not insure vehicles that are:

  • older than 14 years;
  • imported from North-America.

With our Casco, we don't limit driver's age or experience.

Casco does not replace mandatory traffic insurance. Make sure that you have a valid traffic insurance policy.

We offer proper insurance with all-risk cover. For example our Casco covers any sudden and unexpected events including:

  • traffic accident;
  • vandalism, theft & robbery;
  • fire;
  • natural disaster.

Our Casco yearly insurance premiums are not dependant on payment schedule.

The sum insured will be agreed in the policy, so in case of an accident, you will get additional protection for the decrease of the car's market value. Or in case market value exceeds our agreed value, we indemnify according to the higher value.

We use original spare parts for repairing up to five-year-old cars.

After concluding:

  • Please send photos of the vehicle.
  • Print out the traffic accident notification form and place it into your car. This way you will have it at hand, should an accident occur.
  • Save the roadside assistance number 1884, so you can call for 24/7 roadside assistance.
  • Before travelling abroad with your car, make sure that Casco insurance is valid in the countries you will be driving in. We offer two options for territory:
    • Europe;
    • Europe except for Russia, Belarus, Ukraine, Moldova, Georgia, Armenia, Azerbaijan and Turkey.

We offer our Standard Casco solution, which includes all risk cover, also for commercial vehicles, buses, trucks, lorries etc.

Sum insured is agreed in the policy and you will also get a towing limit across Europe.

Ask a personal offer for your company.

In case you have more than five vehicles to insure, ask for our fleet offer.

For a fleet offer please be prepared to send us claims history for the last years.

  • Ask a personal offer for your company.
  • Payments can be made on a monthly, quarterly, half-year or yearly basis, without the frequency of payments affecting the size of the insurance premium.
  • The policy is available in the internet bank 24/7.
  • We will ask you to submit photos of the vehicle or have a vehicle inspection carried out within 3 days after issuing the policy.
  • The photos should be taken during the daylight hours and the car should be clean.
  • It is important that the date on which the photos were taken can be identified on the photos.
  • Provide the following photos:
    • Diagonal view of the front, showing the front number plate.
    • Back diagonal showing rear number plate.
    • Interior photo of the central console.
    • Separate photos of any damages.
More detailed guidelines

Make sure to call to the Emergency Centre if necessary. If the situation is safe, please notify us in the internet bank as soon as possible.

  • Fill out the insurance claim form.
  • Our claim handling specialist will contact you and provide further guidance.

In case you need road side assistance, please call 1884.

Call the Emergency Centre (112) if:

  • people are injured;
  • you do not reach an agreement about the fact who caused the accident;
  • the vehicle or parts of there have been, stolen or robbed;
  • you have caused damage to someone, but you do not know who owns the vehicle or property;
  • third-party property is damaged or more than two cars are involved;
  • the situation includes a fire or an explosion;
  • environmental pollution may occur.


Swedbank P&C Insurance AS


Insurance claims handling

Report a Casco damage

In case of an insured event, please notify us either personally or via a family member at the earliest opportunity.

Roadside assistance

1884 (24h)

If your need help on the road our 24h roadside assistance is available across Europe.

All-risk insurance covers damage caused by any sudden unforeseen event, except those excluded in conditions. Even if you caused it yourself. It protects you from common events that could happen to your vehicle.

For example: fire, traffic accident (also due to wild animals), vandalism, natural disaster, theft and robbery.

In general all-risk insurance you do not have to worry what is insured and what is not. However there are also a some exclusions where insurance cover does not apply (e.g. vehicle was driven by a drunk driver, driver did not have the respective category, or the car was stolen and the owner did not notify the Emergency Centre).

More about conditions

Geographical Europe: Latvia, Lithuania, Estonia, Albania, Austria, Andorra, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Czech Republic, Denmark, France, Cyprus, Germany, Greece, Croatia, Iceland, Italy, Ireland, Great Britain and Northern Ireland, Liechtenstein, Luxembourg, Macedonia, Malta, Montenegro, Moldova, Monaco, Netherlands, Norway, Poland, Portugal, Romania, Spain, Finland, Slovakia, Slovenia, Serbia, San Marino, Switzerland, Ukraine, Hungary, Vatican, Sweden. Geographical part of Europe: Russia, Kazakhstan Turkey, Armenia, Georgia, Azerbaijan.

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