Groupama Asigurari S.A.

Driver age and experience limit

No specific minimum driver age or minimum experience requirement is stated in the General Conditions or PID for the standard CASCO Gradual product. The insured must possess a valid driving licence for the relevant vehicle category at the time of the insured event; if the vehicle was driven without a valid licence or after licence withdrawal, no compensation is payable.

Repair network requirements

For passenger cars (other than special-purpose vehicles) and light commercial vehicles (up to 3.5t), partial loss repairs must be made at: Option B (default, included in base premium) — agreed repair units (contracted non-dealerships) plus authorized dealerships; Option A (supplementary clause, premium reduction) — agreed repair units only (non-dealerships); Option C (supplementary clause, premium surcharge) — any repair unit. If the vehicle is repaired outside the contracted network without the corresponding clause, compensation is limited to 70% of parts/paint material price from the repair unit's estimate and 50 lei per labour hour plus VAT, and payment cannot be made directly to the repair unit. For vehicles other than those mentioned above, repairs may be carried out at any authorized repair unit. Repairs abroad require Groupama's prior written consent; without consent, the repair is treated as self-managed (regie proprie).

Territorial scope

Standard coverage applies on the territory of Romania and 42 European countries: Albania, Andorra, Austria, Belgium, Bosnia & Herzegovina, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Switzerland, Finland, France, Germany, Gibraltar, Greece, Hungary, Ireland, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Norway, Poland, Portugal, San Marino, Republic of Moldova, Slovakia, Slovenia, Spain, Sweden, Netherlands, Turkey, United Kingdom, Vatican, North Macedonia, Montenegro, Serbia. The optional Territorial Extension Clause extends coverage to: Cyprus, Israel, Iran, Morocco and Tunisia. Roadside assistance is not covered under the Territorial Extension Clause in those additional countries (towing costs reimbursed on document basis or at 50% of Groupama partner rates).

Anti-theft requirements

For theft coverage to be issued, the insured must possess at least 2 sets of functional keys coded to the vehicle chassis number. If only 1 set of keys is declared, the vehicle cannot be insured for the theft risk. In case of loss or theft of keys or start cards/remote controls, the theft risk is suspended from the moment the insured becomes aware, until the lock set and/or ignition are replaced per manufacturer specifications. After recovery of a stolen vehicle, the insured must replace the ignition and any security elements required/recommended by the manufacturer (e.g. key recoding, lock set replacement); until these measures are taken and the vehicle presented for risk inspection, the theft risk is suspended. Trailers and semi-trailers are compensated only if they were in guarded/video-monitored spaces, stolen together with the tractor, had anti-theft devices for the coupling, or were equipped with active GPS tracking systems.

Claim notification deadline

In case of vehicle damage (avarii): notify police, fire brigade or other authorities within 24 hours; notify Groupama within 2 working days from the occurrence or from becoming aware of the insured event by calling Alo Groupama 0374 110 110. In case of theft or attempted theft: report to police within 24 hours of becoming aware; notify Groupama within 1 working day of observing the vehicle's disappearance; submit all keys, remote controls and vehicle documents (originals) to Groupama within 2 working days of observing the disappearance. For damages occurring outside Romania: notify Groupama within 2 working days. No repairs may be made before Groupama has carried out its own assessment (with exceptions where Groupama can determine causes and amounts from other authorities' records or its own findings).

Deductible rules

The insurance contract may be concluded with deductible franchises per event, differentiated for partial losses and total losses. For partial losses: the deductible may be a fixed amount or a percentage of the insured sum; events caused by the exclusive fault of an identified third party insured under a valid MTPL policy are not counted toward event-based deductible thresholds, and the partial loss deductible does not apply in those cases. For total losses: a percentage deductible of the insured sum is applied, also applicable when subrogation action is exercised for any reason; the total loss deductible does not apply if the total loss affects exclusively additional equipment. The deductible is deducted from the compensation without requiring the insured's express consent.

Territorial Extension Clause

Optional coverage extending insurance beyond Romania and European countries to Cyprus, Israel, Iran, Morocco, and Tunisia

Premium Roadside Assistance Clause

Optional premium roadside assistance clause covering mechanical failures, electrical failures, lost keys, fuel service, battery discharge, and vehicle recovery within 1 hour in Romania and 4 hours abroad

Autocontrol Telematics Clause

Innovative telematics-based discount option allowing discounts up to 40% based on driving behaviour monitored through installed telematic device and mobile app

Repair Network Selection

Three repair network options: A) Approved repair units only (non-specialized), B) Approved repair units plus specialized dealer networks (default), C) Any repair unit

Five Coverage Variants

CASCO Gradual offers 5 flexible coverage options ranging from basic natural disasters and fire coverage to comprehensive coverage including accidents, theft, vandalism, and natural disasters

Damage Assessment Method

Groupama uses Audatex application for calculating compensation amounts and assessing partial damage to insured vehicles