If Casco Insurance

Casco insurance with 0 € deductible for storm damages
When nature plays by its own rules, our Casco insurance has you covered. For damage caused by storm, hail, or lightning, the deductible will be 0 €. The offer is valid between 8 August and 18 September 2025.

  • Wide selection of hull 0 € deductibles
  • Roadside assistance service 24/7 all over the EU
  • Convenient purchase process in If self-service

Why choose If Casco insurance for your car?

Casco insurance is car insurance with which we indemnify the damage caused to your car if you cause an accident or another accident occurs with the car. For example, broken glass, collision with a wild animal, theft, loss of keys, etc.

  • Roadside assistance (Autoabi) 24/7

    Unexpected damages and technical failures that cannot and must not be involved in traffic — with If Autoabi we will help you 24/7.

  • Large selection of hull 0 € deductibles

    Wildlife collision, side mirror breakage, loss of keys and broken glass — If hull compensates for many damages without deductible

  • Casco deductible — you choose!

    With If Casco, you can choose both: a package with suitable protection and deductible — either 200, 300, or 400 euros

You want to insure your electric car?

Read more and ensure your peace of mind.

Casco packages — If's Superkasko

If Insurance offers a package with the widest protection on the market for unexpected surprises — Superkasko Lux +

Coverages Superkasko Superkasko Extra Superkasko Lux Superkasko Lux+
Included Included Included Included
Included Included Included Included
Included Included Included Included
Included Included Included Included
Included Included Included Included
Included Included Included Included
Included Included Included Included
Included Included Included Included
Included Included Included Included
Included Included Included Included
Not included Included Included Included
Not included Included Included Included
Not included Included Included Included
Not included Not included Included Included
Not included Not included Included Included
Not included Not included Included Included
Not included Not included Included Included
Not included Not included Not included Included
Not included Not included Not included Included
Not included Not included Not included Included
Not included Not included Not included Included
Get Casco

Submission of photographs for car insurance

Please be aware that we may ask you to send photos of your vehicle if necessary. To do this, we will contact you by e-mail after purchasing casco insurance, and then we will wait for the photos as a response to the same letter within 3 working days. Read the detailed conditions in the vehicle's shooting manual.

Vehicle's shooting manual

Casco insurance calculator

In our convenient casco calculator, you can instantly calculate the casco price for your vehicle and play with different casco packages as well as with the deductible.
You can also prepare and buy a suitable package in the If self-service within couple of minutes.

Casco insurance calculator

Casco Insurance FAQ

What else should you know about casco insurance contract?

For which vehicles can you buy casco insurance?

For which vehicles can you buy casco insurance?

You can buy insurance for a passenger vehicle, van, truck, traction unit, trailer, motorcycle, bus, or tractor that is up to 20 years old.

You are covered across Europe, apart from Ukraine, Belarus, and Russia. The area of validity can also be expanded, please contact us if you need it.

Roadside assistance

To solve a problem with a passenger vehicle or van, call If's insurance number at +372 777 1211 and roadside assistance will be on its way! You can also use this service when in trouble abroad. NB! If's roadside assistance is not available in Russia, Belarus, and Ukraine.

Roadside assistance helps:

  • If you have a punctured tyre, we will change it. If this can't be done on site, we will tow your vehicle to the workshop.
  • If the lights on your vehicle burn out in the dark, we will come and replace them.
  • If you lose the keys to your vehicle or if you accidentally lock yourself out of your vehicle, we will come and open the doors.
  • If the oil light turns on while you're driving, we will find out if adding oil is enough or your vehicle needs to be taken to the workshop.
  • If your vehicle won't start due to wrong fuel or fuel freezing in the winter, we will tow it to the nearest workshop.
  • If you run out of fuel, we will bring you the extra fuel to drive to the nearest filling station. However, you will be charged for the fuel.
  • If you drive off the road due to slippery road conditions or because a wild animal suddenly appears on the road and you want to avoid colliding with it, we will get your vehicle back on the road and tow it where needed.
  • In case of an accident, we will help you formalise the necessary documents and help tow your vehicle.

If you are selling your car
  • The law says that when a vehicle is sold, gifted, etc., all the rights and responsibilities relating to insurance will transfer to the new owner.
  • This means that you should terminate your Casco contract before selling the vehicle, otherwise only the new owner will be able to apply for the termination of the contract and for refund of the insurance premium.

How can I terminate it?

  • Once you have set the sale date, send us your termination application through If Self-Service early on, indicating the desired date of termination.

Terms & Conditions

Detailed insurance terms apply to each insurance contract, and we rely on those when indemnifying damages caused by insurance events. Please always read about risks, exceptions, insurance events, etc. in the insurance terms.

Insurance conditions

Product information document

Need a consultation?

CASCO blog

Check out also our other insurances: