RCA protects other road users. But who protects your car? CASCO is voluntary insurance that covers damage to your own vehicle: accidents, theft, natural disasters and other unexpected events. Get a quote through Superpolis — we'll find the best option from Moldova's leading insurers.
What Is CASCO Insurance?
CASCO is voluntary vehicle insurance against damage and theft. Unlike mandatory RCA — which covers damage to others — CASCO protects your own vehicle, regardless of whether you are at fault.
CASCO is especially relevant if your car is new or high-value, purchased on credit or leasing, or if you want full financial protection against any unexpected costs.
What Does CASCO Insurance Cover?
A CASCO policy pays out in the following situations:
- Road accident — including when you are at fault
- Vehicle theft — full or partial
- Theft of accessories or equipment — wheels, audio system, navigator
- Fire — including spontaneous combustion
- Natural disasters — hail, flooding, lightning
- Damage from falling objects — trees, branches, roof snow
Types of CASCO Policies Available in Moldova
Depending on your needs and budget, Superpolis offers three CASCO options:
CASCO FULL
Maximum coverage with no restrictions. The package includes: 24/7 phone support, professional support in case of an insured event, and a towing service if the vehicle cannot move after an accident.
Best for: owners of new or high-value vehicles who want complete peace of mind.
CASCO PREMIUM
Everything included in CASCO FULL, plus one key addition: during the entire repair period following an insured event, the insurer provides you with a replacement vehicle. You won't be without a car for a single day.
Best for: those who rely on their car for work or daily life, where any downtime matters.
CASCO with Deductible
You agree to cover a portion of each loss — the deductible. If damage falls below the deductible, no claim is paid. If it exceeds it, the insurer covers the difference. The higher the deductible, the lower the policy price.
Best for: experienced drivers who want to reduce their premium by self-insuring minor damage.
How Much Does CASCO Cost in Moldova?
CASCO prices are calculated individually — there is no fixed rate. Use the online CASCO calculator on Superpolis: enter your vehicle details and get a preliminary price in seconds.
What Affects the CASCO Price?
- Make, model and year of the vehicle
- Market value — the main basis for the insured sum
- Policy type — FULL and PREMIUM cost more than with a deductible
- Deductible amount — the higher the deductible, the lower the premium
- Chosen insurer — rates vary between companies
- Vehicle category — car, truck, bus
What Documents Are Needed?
- Vehicle technical passport (talon)
- Owner's personal details
- Driving licences of all authorised drivers
How to Get CASCO Insurance Through Superpolis?
The process takes just a few minutes:
- Submit a request on the website or call us
- Receive personalised consultation — we find the right policy type for you
- Compare offers from Moldova's leading insurers
- Choose the best option and sign your policy
- Receive your policy by courier or electronically
Why Get CASCO Through an Insurance Broker?
- Comparison, not just one offer — you see proposals from multiple leading insurers at once and choose the best price and terms
- Consultation with your broker — FULL or with deductible? We help you understand which option genuinely suits your car and driving style
- Claims support — we stay with you after the policy is issued, helping with documents and communication with the insurer
- Only verified insurers — only licensed companies are represented on the platform
Superpolis.md is a licensed insurance broker working with Moldova's leading insurance companies.
Your Obligations in Case of an Insured Event
In case of an accident, theft, or other insured event:
- Take steps to minimise the damage
- Notify the police immediately and obtain official documentation
- Inform your insurer and provide full details of the incident
- Do not move or repair the vehicle before the consultation with your broker
Frequently Asked Questions About CASCO
What's the difference between CASCO and RCA?
RCA is mandatory and covers damage to other road users. CASCO is voluntary and covers damage to your own vehicle. With both policies, you are fully protected regardless of the outcome of an accident.
Does CASCO pay out if I caused the accident?
Yes. This is one of CASCO's key advantages: the policy covers damage to your vehicle regardless of who is at fault. RCA does not provide this protection.
Is CASCO required for an auto loan?
Most banks in Moldova require CASCO as a mandatory condition for auto loans — it is standard protection for the pledged asset. Check your bank's requirements before signing.
How do I calculate my CASCO price online?
Use the CASCO calculator on Superpolis. Enter the make, model, year and market value of your car, choose the policy type — and get an estimate from leading insurers.
Can I insure a used car with CASCO?
Yes. CASCO is available for both new and used vehicles. The insured sum is calculated based on the car's current market value.
What's the difference between CASCO FULL and CASCO PREMIUM?
CASCO PREMIUM includes everything in FULL, plus a replacement vehicle for the entire duration of repairs after an insured event. If your car is essential for work or daily life, PREMIUM means zero downtime.
