Groupama

driver_age_experience_limit

No explicit minimum driver age or experience requirement is stated in the general terms and conditions for coverage eligibility. The policy covers damages when the vehicle is driven by any person with the consent of the insured, provided that person holds a valid driving licence for the relevant vehicle category. Coverage is denied if the vehicle is driven without a valid licence, after licence revocation/annulment/retention without a replacement permit, or under the influence of alcohol (any measured level) or narcotics/equivalent substances.

repair_network_requirements

For cars and light vans (≤3.5t authorised mass), partial damage repairs must be carried out in Groupama-agreed repair units (non-dealer contracted units) or authorised specialist units (brand dealers) — this is the default Option B included in all such contracts. Option A (agreed non-dealer units only, at a reduced premium) and Option C (any repair unit, at a supplementary premium) are available as optional clauses. If the insured repairs at any unit outside the agreed/specialist network without purchasing Option C, indemnity is limited to: parts and materials at 70% of the repair unit's invoice price, and labour at RON 50/hour + VAT. Self-repair (regie proprie) requires written insurer approval; in this case compensation is based on the Audatex specialist system at 70% of parts/paint materials and RON 50/hour for labour, without VAT. For all other vehicle categories (>3.5t, motorcycles, etc.), repairs may be carried out in any repair unit.

territorial_scope

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, Republic of San Marino, Republic of Moldova, Slovakia, Slovenia, Spain, Sweden, Netherlands, Turkey, United Kingdom, Vatican, Republic of Macedonia, Montenegro, Serbia. An optional Territorial Extension Clause extends coverage to: Cyprus, Israel, Iran, Morocco, and Tunisia. Roadside assistance is not covered in countries under the territorial extension clause.

anti_theft_requirements

To insure the vehicle for theft risk, the insured must possess at least 2 complete functional key sets, coded and programmed to the chassis number. If the insured declares only one key set, the vehicle cannot be insured for theft risk. If keys or smart cards/remote start controls are lost or stolen, theft risk coverage automatically suspends from the moment the insured is made aware, until keys are replaced and recoded per manufacturer specifications. After recovery of a stolen vehicle, the insured must replace the ignition contact and all security elements recommended by the manufacturer (e.g., recode keys, replace door lock sets) before the theft risk coverage resumes; a new risk inspection is required. All declared key sets must be submitted to the insurer within 2 working days of noticing vehicle disappearance (for total theft).

claim_notification_deadline

For vehicle damage events: the insured must notify the police, the at-fault party's RCA insurer, fire brigade, or other investigative authorities within 24 hours. Exceptions: amicable accident report, self-damage accident without third parties, or other non-accident damage circumstances (all per applicable law). For these exceptions and for all cases in general, the insured must notify Groupama by calling 0374 110 110 within 2 working days of the insured event occurring or becoming known. For theft or attempted theft: the incident must be reported in writing to the police within 24 hours; the insurer must be notified within 1 working day of noticing the vehicle's disappearance; declared key sets and vehicle documents must be submitted to the insurer within 2 working days. Theft compensation for partial theft is paid only after 30 calendar days from the event; for total theft, only after 60 calendar days. For abroad events: notification within 2 working days by calling 0374 110 110.

deductible_rules

Deductibles (franchises) are deductible per event and are set in the insurance contract as either a fixed amount or a percentage of the insured sum. Two types apply: (1) Partial damage deductible: a fixed or percentage amount deducted from the partial loss indemnity. This deductible does NOT apply if the damage was caused exclusively by an identified third party with a valid RCA policy at the date of the event. When the deductible is defined based on the number of events, accidents caused exclusively by an identified RCA-insured third party are NOT counted. (2) Total loss deductible: a percentage of the insured sum, always applied (including in subrogation cases). Exception: total loss deductible does NOT apply if the damage was exclusively to optional supplementary equipment. Pure glass damage (under the optional glass clause) and pure rim/tyre damage (under the optional rims/tyres clause) are subject to a separate per-event deductible as stated in the policy. The insurer may deduct outstanding premium instalments from compensation without requiring explicit insured consent.

Territorial extension clause

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

Extended Road Assistance (Premium)

Optional clause providing rapid road assistance: intervention within maximum 1 hour in Romania and 4 hours abroad for covered breakdowns and accidents

Autocontrol Clause (Telematics-based discount)

Optional clause offering driving behavior discounts through installed telematics device and mobile app; initial 20% discount with potential up to 40% based on driving score

Repair Network Choice

Three repair network options: (A) Authorized repair units (non-branded), (B) Authorized + branded specialist units (default), (C) Any repair unit

Motorcyclist Equipment Coverage

Optional clause (unique to Groupama in Romania) providing insurance coverage for motorcyclist protective equipment (helmet, gear, apparel)

Dual Keys Requirement for Theft Coverage

Insured must possess at least 2 functional key sets, coded and set on the chassis series, for theft risk coverage to be included

Deductible for Partial Damage

Percentage or fixed deductible amount applied to partial damage claims; waived if damage caused by identified third party with valid motor liability insurance

Deductible for Total Loss

Percentage deductible of insured amount applied to total loss claims; always applied in subrogation cases

Theft Risk Suspension Upon Key Loss

If keys or smart cards/remote start controls are lost or stolen, theft risk coverage automatically suspends from the date of notification until replacement/resetting per manufacturer specifications

Trailer Theft Protection Requirements

Trailers and semi-trailers are compensated for theft only if: (a) in guarded/video-supervised areas, (b) stolen with tractor unit, (c) equipped with anti-theft coupling systems, or (d) have GPS tracking systems installed

Five Tiered Coverage Options

CASCO Gradual offers 5 distinct coverage tiers, allowing policyholders to select risk combinations matching their protection needs and budget