GRAWE România

territorial_scope

Coverage applies in Romania, all EU member states, EEA states, Switzerland, and territories of states located between two EU member states without a national auto bureau, as well as states whose national auto bureaus have signed the Multilateral Agreement. For all vehicle categories, coverage is excluded for: Azerbaijan, Israel, Iran, Morocco, Russia, Tunisia. For heavy freight vehicles (≥3,500 kg) and passenger transport vehicles, additionally excluded: Albania, Belarus, Moldova, Turkey, Ukraine.

green_card_rules

The Green Card (Carte Verde) is issued under the authority of BAAR (Biroul Asigurătorilor de Autovehicule din România) as the national motor bureau. Coverage limits outside Romania are determined by the legislation of the country where the accident occurs. The Green Card is included automatically with the RCA policy for travel in member states; the RCA contract itself specifies the states in which the document is valid.

driver_restrictions

No restriction on the identity of the driver for third-party liability coverage. Coverage applies even if the driver had no license, drove without the owner's consent, or was under the influence of alcohol or drugs — the insurer pays compensation to third parties but retains the right of recourse against the responsible driver. The insured must declare drivers at policy inception.

claim_notification_deadline

The insured must notify the RCA insurer within 5 working days of the accident. The insurer must respond to the compensation claim (either with a justified written offer or written rejection with reasons) within 30 calendar days of submission. Compensation must be paid within 10 days of acceptance of the offer or receipt of a final court judgment. Failure to respond within 30 days obligates the insurer to pay; delays beyond 10 days attract penalties of 0.2% per day of delay.

bonus_malus_rules

The bonus-malus system is mandatory and comprises base class B0 plus 8 bonus classes (B1–B8) and 8 malus classes (M1–M8). New insureds without history start at class B0 (100% of premium). Each claim-free calendar year advances the insured one bonus class; each paid claim results in a two-class malus penalty. Coefficients range from 50% (B8) to 180% (M8) of the annual premium. The class is applied based on data from the AIDA national RCA database. Policies do not renew automatically.

Direct Settlement (Decontare Directă)

Optional service allowing the insured person to be compensated by their own insurer instead of the at-fault party's insurer under specific conditions

Green Card Coverage (Carte Verde)

International motor liability coverage valid in European countries and other Green Card system members for accidents outside Romania

Bonus-Malus Rating System

Mandatory legal system adjusting premiums based on insurance history; claims-free years reduce premiums, claims increase premiums

Contract Duration Flexibility

Policies can be concluded for 1 to 12 months, with flexibility in monthly increments; optional shorter periods in limited cases

Legally Mandated Coverage Limits

Minimum coverage limits set by Romanian law: EUR 1,220,000 for property damage; EUR 6,070,000 for bodily injury/death per accident

No Automatic Policy Renewal

Policies do not automatically renew; insured must actively seek new policy or renewal