Pending review

GRAWE Casco (own-damage car insurance) (Puni Kasko)

Underwritten by GRAWE Hrvatska d.d. · Croatia

casco (own-damage car insurance) from GRAWE for the Croatia market, with online purchase.

Verified Aug 30, 2026 · Terms dated 2024Sources

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Key facts

GRAWE

Unique selling points

Policyholders can choose their own combination of coverages and terms to fit their needs, backed by fast claims handling.

The Drugi Auto replacement-vehicle add-on delivers a car within 45 minutes of calling the contact center.

GRAWE MOBIL roadside assistance, delivered via ORYX, is available 24/7, 365 days a year across Croatia and Europe.

Policyholders have a 30-day right of withdrawal from the point of concluding the contract, exceeding the statutory 14-day minimum for distance contracts.

The Putni Anđeo mobile app is bundled into the GRAWE MOBIL package to assist drivers automatically in the event of an accident.

Coverage limits

Covered

Own Damage (Accident/Collision)

Covered

No limit stated

Full casco covers damage to the insured vehicle resulting from traffic accidents, including cases where the policyholder is at fault.

Section: GRAWE KASKO osiguranja

Punim kasko osiguranjem vozila obuhvaćena je osiguravateljna zaštita osiguranog vozila i/ili njegovih sastavnih dijelova nastankom sljedećih rizika: prometna nezgoda

Covered

Total Loss

Covered

No limit stated

Coverage is provided for destruction of the insured vehicle (total loss) resulting from covered perils such as accident, theft, fire, or natural events; the exact sum-insured basis for compensation was not stated in the reviewed documents.

Section: GRAWE KASKO osiguranja

Punim kasko osiguranjem vozila obuhvaćena je osiguravateljna zaštita osiguranog vozila i/ili njegovih sastavnih dijelova nastankom sljedećih rizika: prometna nezgoda krađa, razbojnička krađa ili protupravno oduzimanje vozila na motorni pogon

Covered

Partial Loss/Damage

Covered

No limit stated

Partial damage to the vehicle arising from covered perils (accident, theft-related damage, fire, weather events) is covered under full casco; specific compensation limits were not stated in the reviewed documents.

Section: GRAWE KASKO osiguranja

požar direktni udar groma eksplozija, osim eksplozije nuklearne energije

Covered

Theft and Robbery

Covered

No limit stated

Covers theft, robbery theft, and unlawful taking of motor vehicles, excluding motorcycles unless otherwise agreed.

Section: GRAWE KASKO osiguranja

krađa, razbojnička krađa ili protupravno oduzimanje vozila na motorni pogon, osim motocikala, ako se drugačije ne ugovori

Optional

Glass Breakage

Optional

No limit stated

Glass breakage cover (breakage/damage to standard vehicle glass, excluding lights and mirrors, and damage from collision with wildlife or domestic animals) can be additionally contracted alongside full casco taken out with GRAWE; it is not automatically included in the base full casco cover.

Section: GRAWE KASKO osiguranja > Djelomično kasko osiguranje

Pokriva štete na vozilu od loma i oštećenje standardno ugrađenih stakala na vozilu, osim stakala na svjetlima i zrcalima, kao i šteta na vozilu koja je izravno nastala sudarom s divljači ili domaćim životinjama u trenutku sudara.

Covered

Natural Perils (Fire, Flood, Storm, Hail)

Covered

No limit stated

Covers vehicle damage from fire, flooding, storms and hail, including damage caused by falling trees or road signs due to storms.

Section: GRAWE KASKO osiguranja > Djelomično kasko osiguranje

Pokriva štetu na vozilu od požara, poplave, oluje i tuče. To uključuje, primjerice, štetu uzrokovanu padom drveća na automobil ili prometnih znakova zbog oluje.

Covered

Vandalism

Covered

No limit stated

GRAWE's product marketing states that kasko insurance protects the vehicle against high repair or replacement costs in cases of accident, theft, fire, weather events, or vandalism.

Bez obzira vozite li novo ili starije vozilo, kasko Vas štiti od visokih troškova popravka ili zamjene vozila u slučaju nezgode, krađe, požara, vremenskih nepogoda ili vandalizma.

Optional

Roadside Assistance

Optional

Roadside assistance (GRAWE MOBIL, delivered via ORYX Assistance) is contracted as an add-on to the MTPL and/or casco policy, and is not part of the base full casco cover; a 24/7 service center supports breakdowns, accidents and other roadside problems in Croatia and Europe.

Section: Automobilska osiguranja: GRAWE AO

GRAWE MOBIL pruža zaštitu Vama i Vašim suputnicima u slučaju kvara, nezgode ili bilo kakvog drugog problema na cesti. Ugovara se kao dodatak uz obvezno i/ili kasko osiguranje, a namijenjen je svima koji putuju u Hrvatskoj i Europi.

Optional

Replacement Vehicle (Drugi Auto)

Optional

GRAWE Drugi Auto is a separate add-on providing a replacement vehicle while the insured car is being repaired following a covered claim; it is delivered via ORYX Assistance and is not automatically included in the base full casco cover.

Section: Ako zatreba

Drugi Auto je usluga ORYX Asistencije koja omogućuje besplatno korištenje zamjenskog vozila u slučaju prometne nezgode.

Optional

Driver and Passenger Accident Cover

Optional

Voluntary accident insurance for the driver and passengers (GRAWE AUTO nezgoda) can be contracted alongside the MTPL policy and the casco policy, but is a distinct, separately-priced add-on rather than a component of the base full casco cover.

Page 1

Section: Dokument s informacijama o proizvodu osiguranja

Dokumenti s informacijama o proizvodu osiguranja koji se kao dodatno osiguranje mogu ugovoriti uz Kasko osiguranje cestovnih vozila objavljeni su na mrežnim stranicama: […] Osiguranje vozača i putnika od posljedica nesretnog slučaja

Key conditions

Driver age and experience limit

Not specified in the reviewed documents.

Repair network requirements

Not specified in the reviewed documents.

Anti-theft requirements

Not specified in the reviewed documents.

Claim notification deadline

Not specified in the reviewed documents for the full casco product specifically.

Deductible rules

If a deductible is agreed for full casco, the indemnity is reduced by the agreed amount; the agreed deductible does not apply to claims from direct lightning strike, snow avalanche, hail, aircraft crash, damage to upholstery caused while helping people injured in a traffic accident, or damage caused deliberately to prevent greater loss.

SourceClause Članak 9.Page 4

Section: Članak 9. Sudjelovanje osiguranika u šteti (franšiza)

Ako je kod punog kasko osiguranja ugovoreno da osiguranik sam snosi jedan dio štete (franšiza), naknada će se, ako nastane osigurani slučaj, umanjiti za iznos ugovorene franšize. Ako je ugovorena, franšiza se ne primjenjuje u slučaju ostvarenja sljedećih rizika: 2.1. direktni udar groma; 2.2. snježna lavina; 2.3. tuča (grad); 2.4. pad zračne letjelice; 2.5. oštećenje tapeciranih dijelova vozila prouzročenih prigodom pružanja pomoći osobama koje su ozlijeđene u prometnoj nesreći; 2.6. namjerno prouzročene štete na osiguranoj stvari u cilju sprječavanja veće štete na toj ili drugoj stvari ili osobama.

Direct payment

Premium is paid either as a single payment or in installments, using a payment slip, SEPA direct debit, or payment at one of the insurer's offices; no surcharge is charged for paying in periods shorter than a year, and premium is increased by a 10% insurance premium tax (VAT does not apply).

Territorial scope

Valid for insured events in the Republic of Croatia and all other member states of the Green Card System, including Kosovo, excluding Morocco, Tunisia and Russia, unless otherwise agreed. Additionally, cover for theft, aggravated theft, robbery, robbery theft or unlawful taking of a motor vehicle is excluded in Turkey, unless otherwise agreed.

Documents

IPID - Road Vehicle Casco Insurance (Full Casco), 2021 version (opens in a new tab)

Product information sheet · PDF

IPID - Road Vehicle Casco Insurance (Full Casco), March 2021 version (opens in a new tab)

Product information sheet · PDF

Pre-contractual information for the policyholder - Road Vehicle Casco Insurance (opens in a new tab)

Policy specifics

Accident Coverage

Comprehensive coverage for vehicle damage resulting from traffic accidents, including cases where the policyholder is at fault

Source

Section: GRAWE KASKO osiguranja

prometna nezgoda

Theft and Robbery Coverage

Coverage for vehicle theft, robbery theft, and unlawful taking of motor vehicles, excluding motorcycles unless otherwise agreed

Source

Section: GRAWE KASKO osiguranja

krađa, razbojnička krađa ili protupravno oduzimanje vozila na motorni pogon, osim motocikala, ako se drugačije ne ugovori

Weather and Natural Damage Coverage

Coverage for vehicle damage from fire, flooding, storms and hail, including damage from falling trees or road signs due to storms

Source

Section: GRAWE KASKO osiguranja > Djelomično kasko osiguranje

Pokriva štetu na vozilu od požara, poplave, oluje i tuče. To uključuje, primjerice, štetu uzrokovanu padom drveća na automobil ili prometnih znakova zbog oluje.

Glass Breakage Coverage

Coverage for breakage and damage to standard vehicle glass, excluding lights and mirrors, and damage resulting from collision with wildlife or domestic animals during collision

Source

Section: GRAWE KASKO osiguranja > Djelomično kasko osiguranje

Pokriva štete na vozilu od loma i oštećenje standardno ugrađenih stakala na vozilu, osim stakala na svjetlima i zrcalima, kao i šteta na vozilu koja je izravno nastala sudarom s divljači ili domaćim životinjama u trenutku sudara.

Parking cover (unknown vehicle / falling snow and ice)

Coverage for vehicle damage resulting from collision with unknown motor vehicles or damage from snow and icicles falling from roofs while vehicle is stationary or parked

Source

Section: GRAWE KASKO osiguranja > Djelomično kasko osiguranje

Pokriva štetu na vozilu uslijed oštećenje ili uništenje osobnog vozila koje na njemu prouzroči nepoznato motorno vozilo ili pad snijega i ledenih svijeća s krova za vrijeme dok je vozilo bilo zaustavljeno ili parkirano.

Eligible Vehicles

Coverage applies to personal vehicles and cargo vehicles up to 3.5 tonnes GVW

Source

Section: GRAWE KASKO osiguranja > Djelomično kasko osiguranje