Insurer profile
Groupama Asigurari S.A.
Groupama Asigurari S.A. is the leading insurer in Romania, number one in non-life, home, and health insurance, offering a wide range of property and casualty, personal, agricultural, life, and health insurance products to over 2 million individual clients and 175,000 companies. It is the Romanian subsidiary of the French Groupama Group.
Source- Legal entity
- Groupama Asigurari S.A.
- Headquarters
- Bucharest, Romania
- Parent group
- Groupama Assurances Mutuelles
- Regulator
- Financial Supervisory Authority (ASF) – Autoritatea de Supraveghere Financiară, authorization number RA-009
- Phone
- +40 374 110 110
- office@groupama.ro
- Founded
- 2009
- Last verified
- Jul 13, 2026
Products from Groupama Asigurari S.A.
motor
Compulsory Motor Third Party Liability Insurance (RCA)
Mandatory third-party liability motor insurance covering material and bodily injury damages to third parties in traffic accidents, valid in Romania and 42 Green Card countries.
motor
CASCO Gradual – Comprehensive Motor Insurance (Individuals)
Flexible comprehensive motor insurance for individuals with 5 coverage options, covering accidents, theft, vandalism, natural disasters, and roadside assistance across Romania and 44 European countries.
motor
CASCO Moto – Motorcycle Comprehensive Insurance
Comprehensive insurance for motorcycles and scooters available in two packages (Seasonal and Full), valid in Romania and 44 European countries, including unique coverage for the motorcyclist's protective equipment.
motor
CASCO Fleet – Commercial Fleet Insurance
Comprehensive motor insurance policy for business fleets, providing prompt repair support through Groupama's extensive partner service network.
motor
Roadside Assistance Insurance
Roadside assistance insurance providing emergency breakdown, towing, replacement vehicle, and hotel services for vehicles in Romania and abroad.
property
PAD – Compulsory Natural Disaster Insurance
Mandatory home insurance policy covering damages from natural disasters (earthquake, flooding, landslide) as required by Romanian Law 260/2008.
property
Essential Home Insurance (Facultative)
Optional home insurance covering fire, theft, vandalism, flooding from neighbors, storm, hail, and other risks, with self-assessment option for claims.
property
Home Insurance with Extra Coverages (ALExA)
Comprehensive optional home insurance covering the building, contents, outbuildings, garden, and leisure amenities, with civil liability and emergency technical assistance; the most sold home insurance product in Romania.
property
Fire and Other Calamities Insurance (Commercial)
Commercial property insurance for businesses covering buildings, equipment, stocks, and raw materials against fire, natural disasters, and other risks, with optional business interruption coverage.
property
All-Risk Construction and Assembly Insurance (CAR/EAR)
All-risks insurance for construction and assembly works, covering the project from start to completion, including contractors' liability.
property
HoReCa Business Insurance
Tailored professional insurance solution for hospitality, restaurant, and catering businesses, providing comprehensive protection for business assets and liability.
property
Cargo – Goods in Transit Insurance
Insurance for goods during transport for manufacturers, exporters, importers, and logistics companies, covering total or partial loss or damage during road transport operations.
health
Integral Medical Insurance – Individual and Family
Comprehensive private health insurance for individuals and families, created in partnership with Regina Maria network, covering prevention, diagnosis, and treatment.
health
Health Insurance – Hospitalization and Surgery
Private health insurance focused on hospitalization and surgical procedures, covering up to 20,000 EUR/year in private and public hospitals, available for individuals and families.
health
Group Integral Medical Insurance (Corporate)
Corporate group health insurance in partnership with Regina Maria, offering employees comprehensive medical coverage including ambulatory, hospitalization, and surgery.
health
Group Health Insurance – Hospitalization and Surgery (Corporate)
Corporate group health insurance covering employees' hospitalization and surgical costs in private and public hospitals, flexible and modular product.
health
Personal Accident Insurance
Personal accident insurance providing fixed indemnities in case of death, total permanent disability, fractures, burns, or surgical interventions resulting from accidents.
health
Critical Illness Supplementary Insurance
Supplementary insurance providing a lump sum upon diagnosis of cancer or other serious illnesses, attachable to a life insurance base policy.
life
Mixed Life Insurance
Mixed life insurance covering the risk of death from any cause, with a savings component payable at the end of the contract period (3–10 years), with optional investment in unit-linked funds.
life
Private Death Insurance with 24-hour Payment
Term life insurance providing death coverage payable within 24 hours, with no medical evaluation required, and lifetime coverage after the last premium payment.
life
Life Insurance with Return of Premium
Life insurance that returns 30% or 50% of premiums paid at the end of the policy term if no insured event occurs, with death coverage from any cause and optional supplementary riders.
life
Life Insurance with Flexible Investment and Guaranteed 54% Return
Life insurance with investment component offering a guaranteed 54% return on the insured sum at maturity (04.12.2025–01.10.2031), with tax-free yield and an early maturity option.
life
Group Life Insurance
Group life insurance for corporate clients, covering the risk of death for employees.
life
Life Insurance with Decreasing Sum (Loan Protection)
Life insurance with a decreasing insured sum aligned to loan repayment, ensuring outstanding debts are covered in the event of the insured's death.
financial
Supplementary Investment Insurance (Unit-Linked)
Supplementary investment rider attachable to life insurance policies, offering three investment programs (Avance, Balance, Confort) with varying risk levels.
travel
Travel Insurance – Abroad
International travel insurance covering emergency medical assistance, hospitalization, repatriation, accidental death, civil liability, and lost documents while traveling abroad.
travel
Travel Insurance – Romania (Domestic)
Domestic travel insurance for trips within Romania, covering emergency medical assistance, roadside assistance, accidental death, and optional vacation cancellation and sports coverage.
travel
Vacation Cancellation (STORNO) – Supplementary Travel Add-on
Optional travel add-on that reimburses holiday package costs up to 10,000 EUR if an unforeseen event prevents departure.
travel
Group Travel Insurance – Abroad (Corporate)
Corporate group travel insurance for employees on business trips abroad, covering emergency medical assistance, hospitalization, repatriation, accident, and civil liability.
travel
Group Travel Insurance – Romania (Corporate)
Corporate group domestic travel insurance for employees traveling within Romania, covering emergency medical assistance and accidental death.
liability
Professional Civil Liability Insurance
Professional liability insurance for accountants, auditors, lawyers, insurance brokers, insolvency practitioners, valuators, and other professionals against financial damages from errors, omissions, or negligence.
liability
General Civil Liability Insurance (Legal)
General civil liability insurance for companies covering material damage or bodily injury caused to third parties (clients, employees, suppliers) during business operations.
liability
Directors and Officers Liability Insurance (D&O)
Directors and Officers liability insurance protecting company managers and executives against claims for wrongful acts in their managerial capacity.
liability
Civil Liability Insurance for Architects and Construction Engineers
Professional liability insurance for architects and construction engineers covering financial damages to third parties due to professional errors in construction projects.
liability
IT&C Professionals Insurance
Tailored insurance package for IT and telecommunications professionals covering professional liability and other risks specific to the technology sector.
liability
Carrier's Liability Insurance (CMR)
Liability insurance for road freight carriers covering the loss or damage of goods transported under road freight contracts.
other
Agricultural Crop Insurance
Agricultural insurance for crop producers covering losses from climatic risks (frost, hail, storm, drought, flooding), available for arable crops, orchards, and vineyards.
other
"All Climatic Risks" Crop Insurance
Comprehensive all-climatic-risk agricultural insurance for crops offering broader protection against weather-related perils than the standard crop policy.
other
Livestock Insurance
Insurance for livestock (cattle, sheep, pigs) covering death of insured animals from accidents, illness, or natural disasters.
other
Fish Farm Insurance
Specialized insurance for fish in aquaculture farms, covering losses from accidents and natural disasters.
other
Agricultural Machinery Insurance
Insurance for agricultural machinery and equipment against accidental damage, fire, theft, and natural risks.
Regulatory updates
Groupama Asigurari S.A. remains authorized by ASF under number RA-009 and is fully compliant with Solvency II requirements. As of 31 December 2025, the SCR ratio stood at 151% and the MCR ratio at 307%, with eligible own funds of 2,377.4 million lei (up from 1,864.1 million lei in 2024). Gross written premiums reached 4,936,100 thousand lei in 2025, a growth of approximately 12% in non-life and 41% in life. ASF updated RCA reference tariffs for 2026, with average increases of approximately 9.03% for individuals and 7.61% for freight vehicles. RCA prices were liberalized in July 2025, with ASF confirming a stable and growing market at the start of 2026. From 6 December 2025, a new law amended RCA-related regulations. Groupama contributes to the Policyholder Guarantee Fund (FGA) under Law 213/2015.
Reputation and reviews
Verified offer pages
Motor casco
Groupama is a motor casco insurance for the RO market with no online purchase and 24/7 assistance.
Last verified May 8, 2026
Motor third-party liability
Groupama is a motor third-party liability insurance for the RO market with online purchase and 24/7 assistance.
Last verified May 5, 2026
Travel insurance
Groupama is a travel insurance for the RO market with online purchase and 24/7 assistance.
Last verified May 5, 2026