This post describes the main differences between the two usage-based products.

A usage-based casco insurance was available in the app between 2019 and 2022 under the name Roar CASCO. This usage-based solution will be phased out on 1 January 2023 and a new usage-based insurance, Cristo Casco, will be available from 04.01.2023.

Minute-based accounting instead of kilometer-based accounting

Roar CASCO is charged based on the time spent driving the car. We charged a so-called stationary charge when the car was stationary and a moving charge when the car was moving on a per minute basis.

Cristo Casco is introduced with a mileage-based calculation, which is much more predictable than its predecessor.

Two types of insurance package instead of one - Cristo Stay and Cristo Move

The Roar CASCO insurance could only be taken out with full cover and only with a Pro subscription, as it required the Beatre, which you get from us for use as part of the subscription, to work.

Cristo Casco insurance, on the other hand, is available in two different packages. The Cristo Stay package is an insurance that does not require Beatre to operate, but only provides cover for basic cover (natural damage, theft and robbery damage, damage to property, fire and explosion damage) for the stationary vehicle that is a risk when parked. Full cover is available with the Move package, which also requires a Pro subscription to operate. With the Move package, the insurance becomes comprehensive, including cover for breakage and glass breakage. A Pro subscription is required for the Move package because the base rate for the Stay package is supplemented by a km rate based on the km driven, which is measured using car usage data provided by Beat.

Age of contractor replaced by "under 23" category

An important factor in the pricing of Roar Casco (and typically most casco products) is the age of the policyholder. With Cristo Casco, however, this is also changed, as only the statistically most dangerous very young car owners are surcharged. The only condition to be declared when signing a contract will be whether the driver is under 23 years of age.

Claims settlement

We strive to provide the highest level of convenience for our customers with every service. This will be the case with Cristo Casco. In the case of minor damage, we will pay the compensation to your credit card within 24 hours. For larger claims, you just need to report the damage in the app and our partner will take care of everything for you as quickly as possible. No need to bother looking for a repair shop, our partner will pick up your car, arrange a quality repair and return your new-look vehicle to you. Of course, if you want to choose the repair shop yourself or take your car away, we can do that too.

Deductible

We are also introducing a change to the deductible. This is the amount that you have to pay if you have a claim, but unlike on the market, you won't find a percentage deductible at Cristo Casco, only a fixed one in forints. Why is this good? Because you know what you can expect in a claim settlement. Plus, you can now choose between two different deductibles at Cristo Casco.

Insurance background

The Cristo Casco product is fully managed by the company that runs the Cristo app, so we are able to create a very innovative and super product for you, where we build on your feedback and opinions, and where if you have a problem, we are the people you can contact and we will solve it. But it's important to see that it won't be us as a small home-grown startup footing the bill for claims settlement, but it will be an insurance partner with a long track record and a solid background who will help us. They are Uniqa Liechtenstein, the startup relations subsidiary of Uniqa Insurance Group, who work with a number of international startups to develop innovative products.


This may also be of interest

Click here to read about the termination of Roar CASCO.

Cristo Casco will soon be available with two different packages. Click here to find out more about the new casco product!

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