Private client
Insurance
Casco Insurance

If Casco Insurance

Get If Casco insurance online with ease – only here it’s 10% cheaper for new contracts!

Pick the right protection from four packages and drive with peace of mind, knowing that if something happens to your car, your casco insurance has you covered.

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

Get casco insurance Need a quotation?

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.

Electric Cars Insurance

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+
• Accident - we will indemnify the damages to or destruction of a vehicle as a result of an unforeseen event – traffic accident, natural disaster, damages to or intentional damaging of parts of a vehicle by a person not related to you. • Theft - we will indemnify theft or robbery of a vehicle or parts thereof. • Vandalism - we will indemnify damages caused intentionally to the vehicle by third persons. • Fire - we will indemnify damages to or destruction of a vehicle as a result of a fire, i.e. arson by third persons, smoke, soot or extinguishing activities. All risk insurance has restrictions, please be sure to read the insurance terms and conditions about the exclusions in detail.	Included	Included	Included	Included
Electric car — only a fully electric vehicle of categories M1 or N1. If your electric car has been stolen or destroyed, we pay you additional indemnity of 15% of the vehicle’s market value before the insurance event. €2,000 cover for charging cable and charging device applies to damaged caused by theft or accident. Roadside assistance 24/7 for discharged battery. If your electric car is destroyed or damaged by hail, wind, wind broken or raised objects or flooding, no deductible is applied.	Included	Included	Included	Included
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The following is insured together with the vehicle: child seat, roof box, roof frame and bicycle bracket. Furthermore, in addition to the original parts of the vehicle, parts of the vehicle installed by the non-manufacturer are automatically insured to the extent of up to 1,000 euros. For example hubcaps, spoilers, additional lights, bumpers, paintings etc. If necessary, the indemnity limit can be increased.	Included	Included	Included	Included
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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

Submission of photographs for car insurance

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?

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.

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.