GRAWE România Asigurare S.A.
GRAWE
GRAWE is a motor casco insurance for the Romania market with no online purchase and limited assistance availability.
Direct payment
In case of partial damage, the insurer issues a payment approval to the authorized repair partner and pays repair costs directly to the repair unit upon completion. If the insured chooses a non-partner repair unit, the maximum accepted indemnity is calculated by the insurer using a specialized software at local dealer rates for the vehicle brand.
Geographic scope
Romania and specified European countries
Coverage applies to Romania and the following European countries: Andorra, Austria, Albania, Belarus, Belgium, Bulgaria, Bosnia & Herzegovina, Cyprus, Croatia, Czech Republic, Denmark, Estonia, Switzerland, Finland, France, Germany, Gibraltar, Greece, Ireland, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, North Macedonia, Montenegro, Norway, Poland, Portugal, Netherlands, San Marino, Republic of Moldova, United Kingdom, Russia (European part), Slovakia, Slovenia, Spain, Sweden, Serbia (limited to area under control of the Government of the Republic of Serbia), Turkey (European part), Hungary, Vatican. Water transport coverage maintained only if both embarkation and disembarkation points are within these geographic limits.
Unique selling points
- Three selectable coverage tiers (Simplu, Complet, Top) allow customers to match protection level to vehicle value and budget, with Simplu priced at approximately 40% of the Top tier premium.
- The insurer pays repair costs directly to authorized partner repair units, eliminating out-of-pocket expenses for the insured in case of partial damage.
- Coverage extends across Romania and the entire geographic Europe (44+ countries) under a single policy with no separate territorial endorsement required.
- Part of the Austrian Grawe Gruppe – an insurer with nearly 200 years of history, operating in Romania since 2000 with a nationwide agency network.
- Deductibles are waived entirely when the sole at-fault party is an identified third party with valid RCA insurance, protecting the insured from bearing any cost in non-fault claims.
Coverage limits
Own vehicle damage
100% of insured sum
Only in Simplu, Complet, Top
Damage to the insured vehicle is covered as follows by tier: Simplu covers natural perils (lightning, falling stones, landslides, floods, avalanches, hail, storms, water overflow, floods, earthquakes, snow weight) and fire or explosion (excluding fire/explosion caused solely by driver fault). Complet adds: collisions with other vehicles or objects, falling objects on vehicle, collision with moving animals on public roads, and damage while parked. Top adds: theft/robbery, vandalism, and glass breakage. Compensation is limited to the market value of the vehicle at the time of the insured event (insured sum). Total loss is declared when estimated repair costs exceed 75% of the insured sum or the vehicle is stolen.
Total loss
100% of insured sum
Only in Simplu, Complet, Top
Total loss is declared when the vehicle is damaged in an insured event and estimated repair costs exceed 75% of the insured sum, or if the vehicle is stolen. In case of total loss, the insurer pays the market value of the vehicle at the time of the loss (equivalent to a vehicle of the same type, quality, and wear), less the salvage value (determined by auction or technical expert appraisal), transport costs, the deductible, and any other amounts due under the contract. Indemnity cannot exceed the insured sum or the actual vehicle value.
Partial loss / partial damage
100% of insured sum
Only in Simplu, Complet, Top
In case of partial damage, the insurer covers repair costs (based on an estimate approved before repair begins), plus recovery and transport costs to the nearest suitable repair unit up to 100 km and 100 EUR. If the insured opts for self-repair, the insurer reimburses estimated costs (excluding VAT) calculated at local dealer rates with a 50% discount on labour and parts. Non-partner repair unit costs are reimbursed at standard calculated values at local dealer rates. Improvements or modifications to the vehicle, wear-related repairs, and loss of use costs are not covered.
Theft and robbery
100% of insured sum
Only in Top
Covered only in the Top tier. Covers theft or robbery of the vehicle by persons who are not relatives (up to 4th degree) or legal associates (employees/agents) of the policyholder/insured. Also covers costs for replacing the lock/unlock/blocking/unblocking set due to theft or loss of keys/cards/remote controls, and costs for theft-prevention measures taken by the insured. For total theft: insured must present vehicle ID, registration certificate, and all keys within 48 hours. If the vehicle is recovered after indemnity payment, it becomes the insurer's property. Recovery costs after a reported theft are indemnified up to 2% of the insured sum without deductible retention. A 30% deductible of the insured sum applies to total theft risk for Bulgaria and Republic of Moldova. Not covered in Simplu or Complet tiers.
Glass damage (windshield, side windows, rear window, panoramic roof)
Conditional
Only in Complet (partial - only when combined with other damage), Top
Covers breakage of windshields, side windows, rear windows, and glass or panoramic roofs for passenger cars and light commercial vehicles up to 3.5 tonnes maximum weight, regardless of cause. Under the Top tier, glass breakage is covered as a standalone peril. Under the Complet tier, glass breakage is covered only when multiple vehicle elements are damaged together with the glass as a result of an insured event. Not covered under the Simplu tier.
Natural perils
100% of insured sum
Only in Simplu, Complet, Top
Included in all tiers (Simplu, Complet, Top). Covers direct effects of: lightning, falling stones from slopes, landslides, flash floods, avalanches, hail, storms, water overflow, floods, earthquakes, and snow weight. Also includes damage caused by the collision of objects carried by natural phenomena with the insured vehicle. Fire and explosion (including from technical causes) are also covered in all tiers, except where caused solely by driver fault.
Vandalism
100% of insured sum
Only in Top
Covered only in the Top tier. Covers intentional destruction or damage to the insured vehicle by a person or group who does not seek to take the vehicle or its components. The perpetrators must not be relatives (up to 4th degree) or legal associates (employees/agents) of the policyholder/insured. Not covered in Simplu or Complet tiers.
Roadside assistance
Excluded
Roadside assistance is not included in the CASCO policy. Grawe offers it as a separate product called 'MOBIL', available for purchase independently, covering Romania, Europe, and Turkey depending on the chosen tier.
Replacement vehicle
No limit stated
Replacement vehicle coverage is not mentioned in the CASCO policy terms and conditions (CGAAC 2020) or the IPID. The policy explicitly excludes losses caused by lack of use of the vehicle (indirect/consequential losses). No replacement vehicle benefit is provided under this product.
Driver personal accident / medical costs
Excluded
Not covered. The CASCO policy explicitly excludes medical care costs for persons in the insured vehicle injured in covered events (Article 11, point 6.12). Personal accident coverage for the driver is not provided within this product.
Key conditions
Driver age and experience limit
No specific driver age or minimum experience limit is stated in the policy terms. The driver must hold a valid driving licence for the respective vehicle category (Article 13.1.1). The driver must not be under the influence of alcohol, narcotics, or medications with similar effects at the time of the event (Article 13.1.2).
Repair network requirements
After damage assessment, the insured receives a payment approval document for repairs at one of the insurer's authorized partner repair units. The insurer communicates the maximum accepted indemnity to the repair unit within 3 business days from submission of the repair estimate. If the insured chooses a non-partner repair unit, the maximum accepted indemnity is calculated by the insurer using specialized software at local dealer rates. Self-repair reimbursement is at estimated costs (excluding VAT) with a 50% discount applied to labor rates and parts prices from the local brand representative.
Territorial scope
Romania and European countries listed in Article 7: Andorra, Austria, Albania, Belarus, Belgium, Bulgaria, Bosnia and Herzegovina, Cyprus, Croatia, Czech Republic, Denmark, Estonia, Switzerland, Finland, France, Germany, Gibraltar, Greece, Ireland, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, North Macedonia, Montenegro, Norway, Poland, Portugal, Netherlands, San Marino, Republic of Moldova, United Kingdom of Great Britain and Northern Ireland, Russia (European part), Slovakia, Slovenia, Spain, Sweden, Serbia (limited to area under control of the Government of the Republic of Serbia), Turkey (European part), Hungary, Vatican. For water transport, coverage is maintained only if both embarkation and disembarkation points are within the established geographic limits; coverage terminates upon completion of the embarkation procedure if the destination is outside the established limits.
Anti-theft requirements
For theft coverage to be included, the insured must possess at least 2 functional sets of keys for the vehicle, programmed and coded to the chassis number (Article 3). If the insured declares having only one set of keys, the vehicle cannot be insured for the theft risk. In case of theft or loss of keys/cards/remote controls, the insured must notify the insurer within 1 business day and take preventive measures against theft risk at the insurer's expense and with prior insurer approval.
Claim notification deadline
The insured must notify the insurer immediately, but no later than 48 hours from the date on which they became aware of the occurrence of the insured event (Article 15.1.2). In the same 48-hour deadline, the insured must also inform the insurer in writing of any judicial or administrative action related to the insured risk. For theft of keys/cards/remote controls, notification must be made within 1 business day. For total theft, the vehicle identity document, registration certificate, and all keys must be presented to the insurer within 48 hours.
Deductible rules
The deductible (franșiză) represents the portion of the damage borne by the insured/policyholder. It is set as a fixed amount or as a percentage of the insured sum or total indemnity, as specified in the policy (Article 16). The insured may not insure the contractual deductible with any other insurer. Deductibles do not apply when the insured event is caused solely by an identified third party with valid RCA insurance. A specific deductible of 30% of the insured sum applies to total theft risk for Bulgaria and Republic of Moldova (Article 7). Payment of indemnity falls due 14 calendar days after completion of all investigations and submission of required documents.
Policy specifics
Theft coverage
Optional coverage for vehicle theft and robbery, included in CASCO Top variant only
SourceVandalism coverage
Optional coverage for vehicle vandalism damage, included in CASCO Top and CASCO Complete variants
SourceGlass breakage coverage
Optional coverage for windshield, side windows, and glass panel breakage on vehicles up to 3.5 tons maximum weight
SourceNatural disasters coverage
Coverage for direct effects of lightning, falling stones, landslides, floods, avalanches, hail, storms, water overflow, floods, earthquakes, and snow weight
SourceRepair network authorization
After damage assessment, the insured must use authorized repair network partners for vehicle repairs
SourceGeographic coverage scope
Coverage extends to Romania and specific European countries, with limitations for water transport geographic boundaries
SourceDriver fault exclusion condition
Damages caused exclusively by driver negligence (culpa) in certain circumstances are not covered in CASCO Simple variant
SourceAnimal collision coverage
Vehicle collision with moving animals on public roads is covered, but all other types of animal-related damages are excluded
SourceVehicle water transport protection
Insurance protection is maintained for vehicle water transport if loading and unloading points are within established geographic limits
Source