Collision with a fixed or removable object. Getting out of the road or overturning the vehicle.
Cracking / crushing of front, rear, side windows, removable ceilings and headlamps, caused by the impact of a moving object
Fire, Lightning, Explosion:
Fire and explosion that come from external factors and include the insured vehicle. Lightning on motor vehicle.
Storm, hail, snow, hurricane, flood, flood, collapse of various objects as a result of natural disasters.
Theft and Partial Theft:
Total vehicle theft and theft of accessories or items included in the product catalog excludes mirrors, tires.
Damage to parking by other means:
Damages from an unidentified vehicle.
Damages from malicious acts:
Damages caused by acts intentionally or maliciously committed by third parties without the knowledge of the insured.
Outside the territory of Albania:
All coverage selected above will be valid both inside and outside the territory of Albania. These include EU member states as well as Kosovo, Macedonia, Montenegro, Serbia, Turkey, Russia.
HOW DO I HAVE TO ACT IN CASE OF DAMAGE?
Report the accident to emergency number 112
Take 3-4 digital photos of the vehicles involved in the incident.
Notify the nearest SIGAL UNIQA Branch / Agency.
Get a copy of the police record
Do not repair the vehicle without notifying and obtaining SIGAL UNIQA approval first
Prepare the damage file and hand it over to a SIGAL UNIQA Branch, along with the original KASCO policy.