GRAWE
GRAWE is a motor casco insurance for the HR market with no online purchase and 24/7 assistance.
Direct payment
Claims are handled through GRAWE agents, offices, or by written notification to the insurer. Remote damage assessment via photos or video call is available. Insurer must begin claim assessment within 3 days of receiving written notification. Payment made to the insured's account.
Geographic scope
HR
Republika Hrvatska i sve države članice sustava zelene karte
Unique selling points
- Full casco explicitly covers vandalism, unknown vehicle damage while parked, and falling snow/icicles — perils often excluded or charged extra by competitors.
- Remote claims assessment via photos or video call accelerates the repair process without requiring the customer to visit an office.
- Optional Drugi Auto (ORYX Assistance) delivers a replacement vehicle within 45 minutes, 24/7 on 365 days a year, free of charge.
- No instalment surcharge: premium can be paid monthly, quarterly, semi-annually or annually with no additional fee for shorter payment periods.
- Multi-policy discount: existing GRAWE life, property or health policyholders receive additional discounts and benefits when adding a casco policy.
Coverage limits
Own damage (collision and accident)
Covered
Covers material damage to the insured vehicle caused by a traffic accident, collision, impact or overturning, including accidents caused by the insured driver's own fault. The indemnity is based on the insured sum stated in the policy.
Total loss
Covered
Covered under the full casco as part of own-damage cover. In case of total destruction or disappearance of the insured vehicle, indemnity is paid up to the insured sum stated in the policy at the time of the loss event.
Partial loss (repair costs)
Covered
Repair costs for partial damage to the insured vehicle are covered up to the insured sum. The insurer assesses the extent and cause of the damage.
Theft and robbery
Covered
Full casco covers theft, robbery and unlawful taking of motor vehicles. Motorcycles are excluded unless otherwise agreed in the policy.
Glass damage
Covered
Covers breakage and damage to standard factory-fitted vehicle windows. Excludes glass on lights and mirrors. In case of glass replacement, a mandatory deductible of EUR 130 applies under the partial casco glass clause; within the full casco, deductible terms are set in the individual policy.
Natural perils
Covered
Covers vehicle damage caused by fire, flood, storm, hail, falling trees or traffic signs due to storms, direct lightning strike and other natural events. Available for passenger cars and commercial vehicles up to 3.5 t GVW.
Vandalism
Covered
Full casco covers damage to the vehicle caused by vandalism, including damage by an unknown vehicle while parked, and malicious acts by third parties.
Roadside assistance (GRAWE MOBIL)
Optional
Available as an optional add-on (GRAWE MOBIL powered by Oryx). The 24/7 mobile service centre provides protection for the driver and passengers. Two variants: GRAWE MOBIL EUROPA (coverage throughout Europe) and GRAWE MOBIL HRVATSKA (coverage in Croatia only). Available for passenger cars and commercial vehicles up to 3.5 t GVW.
Replacement vehicle (Drugi Auto)
Optional
Available as an optional add-on (GRAWE Drugi Auto). Provides a replacement vehicle (mini class, e.g. Renault Twingo) delivered within 45 minutes of calling the 24/7 contact centre (0800 87 88), free of charge. Can be used once per policy period; duration per policy terms. Activated when the insured vehicle suffers a covered casco loss or MTPL accident.
Driver and passenger accident insurance
Optional
Available as an optional add-on (GRAWE AUTO nezgoda / X69K). Covers the driver and all passengers against consequences of an accident during driving, boarding or alighting. Covers death and permanent disability as a result of an accident. Valid also abroad. Insured sum is defined in the policy.
Key conditions
driver_age_experience_limit
No specific minimum driver age or experience requirements are stated in the publicly available GRAWE full casco policy terms (X68K). Standard exclusions apply for driving under the influence of alcohol, drugs or narcotics.
repair_network_requirements
The policy does not restrict repairs to an authorised network; however, the insurer must begin damage assessment within 3 days of receiving written notification. The insured must preserve evidence before commencing repairs. Remote damage assessment via photos or video call is available, which further accelerates the process.
territorial_scope
Coverage is valid in the Republic of Croatia and all Green Card system member countries at the time of the insured event.
anti_theft_requirements
The policy (X68K) does not specify mandatory anti-theft device requirements in the publicly available terms. Standard exclusions for unlocked vehicles or theft by household members apply as per general Croatian insurance practice.
claim_notification_deadline
The insured must notify the insurer of a loss event without delay, and in writing. For MTPL-related claims, notification within 3 days of the event is required. The insurer must begin damage assessment within 3 days of receiving the written notification. If the insurer fails to comply, the insured may proceed with damage assessment provided evidence is preserved beforehand.
deductible_rules
Deductible (franšiza) is optional for full casco and is defined in the individual policy if agreed. For glass replacement under the partial casco glass clause, a mandatory deductible of EUR 130 applies per claim. No surcharge is applied for instalments shorter than one year.
Where to buy
Documents
Uvjeti kasko osiguranja cestovnih vozila (X68K)
terms_and_conditions
Dokument s informacijama o proizvodu osiguranja - Kasko osiguranje cestovnih vozila (puni kasko)
ipid
Informacije ugovaratelju osiguranja - Kasko osiguranje cestovnih vozila (2024)
other
Opći uvjeti i pogodnosti proizvoda Pomoć na cesti GRAWE MOBIL EUROPA
terms_and_conditions
Uvjeti osiguranja Drugi Auto uz kasko osiguranje cestovnih vozila
terms_and_conditions
IPID - Drugi Auto uz kasko osiguranje cestovnih vozila
ipid
Posebni uvjeti za osiguranje osoba od posljedica nesretnog slučaja (nezgode) u motornim vozilima (X69K)
terms_and_conditions
IPID - Dobrovoljno osiguranje osoba od posljedica nesretnog slučaja u motornim vozilima
ipid
Policy specifics
Vehicle theft coverage
Comprehensive coverage includes protection against theft, robbery, and unlawful taking of motor vehicles
Natural disaster coverage
Coverage includes fire, flood, storm, and hail damage to the vehicle
Glass coverage
Coverage for damage and breakage of standard vehicle windows
Animal collision coverage
Coverage for vehicle damage directly caused by collision with wildlife or domestic animals
Unknown vehicle collision coverage
Coverage for vehicle damage caused by collision with an unknown vehicle while parked
Road assistance
24-hour mobile roadside service center assistance for driver and passengers
Applicable vehicle types
Comprehensive kasko applies to personal vehicles and cargo vehicles up to 3.5 tonnes GVW
Policy duration
Comprehensive kasko is available with annual, semi-annual, quarterly or monthly premium payment periods
Cancellation rights
Consumer has 14-day right to withdraw from distance contracts without penalty if not used before expiry
Motor insurance premium tax
Premium is increased by motor insurance premium tax of 10% per Croatian Motor Insurance Premium Tax Law
Claim assessment timeframe
Insurer must begin assessment of claim within 3 days of receiving written claim notification
Financial regulator
Croatian Financial Services Supervisory Agency (Hrvatska agencija za nadzor financijskih usluga) supervises the insurer