GRAWE Hrvatska Insurance Joint-Stock Company
GRAWE
GRAWE is a motor casco insurance for the Croatia market with online purchase and limited assistance availability.
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).
Geographic scope
Croatia
Not specified in the reviewed documents; the governing Terms and Conditions (X68K) that would define the exact territorial scope could not be retrieved.
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
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.
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.
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.
Theft and Robbery
Covered
No limit stated
Covers theft, robbery theft, and unlawful taking of motor vehicles, excluding motorcycles unless otherwise agreed.
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.
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.
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.
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.
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.
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.
Key conditions
Driver age and experience limit
Not specified in the reviewed documents.
Repair network requirements
Not specified in the reviewed documents.
Territorial scope
Not specified in the reviewed documents; the governing Terms and Conditions (X68K) could not be retrieved to confirm the exact territorial scope.
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
Not specified in the reviewed documents.
Where to buy
Documents
IPID - Road Vehicle Casco Insurance (Full Casco), 2021 version
IPID
IPID - Road Vehicle Casco Insurance (Full Casco), March 2021 version
IPID
Pre-contractual information for the policyholder - Road Vehicle Casco Insurance
Other document
Terms and Conditions - Road Vehicle Casco Insurance (X68K)
Terms & conditions
Product page - Kasko Insurance
Other document
Policy specifics
Accident Coverage
Comprehensive coverage for vehicle damage resulting from traffic accidents, including cases where the policyholder is at fault
SourceTheft and Robbery Coverage
Coverage for vehicle theft, robbery theft, and unlawful taking of motor vehicles, excluding motorcycles unless otherwise agreed
SourceWeather 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
SourceGlass 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
SourceUninsured Vehicle Collision Coverage
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
SourceEligible Vehicles
Coverage applies to personal vehicles and cargo vehicles up to 3.5 tonnes GVW
SourceAccompanying Insurance Requirements
Full casco insurance can be contracted only with mandatory motor vehicle liability insurance agreed with GRAWE
Source