GRAWE România Asigurare S.A.
GRAWE
GRAWE is a motor third-party liability insurance for the Romania market with online purchase and limited assistance availability.
Direct payment
Direct settlement (decontare directă) is an optional add-on (140 RON/year) allowing the insured, as an accident victim without fault, to claim compensation directly from Grawe Romania. Applies only to collisions between two vehicles registered in Romania, both with valid RCA, resulting in material damages only and no bodily injuries. The insured's Bonus-Malus class is not affected.
Geographic scope
Romania and Green Card member countries
Coverage valid in Romania and all Green Card member countries, excluding Azerbaijan (AZ), Israel (IL), Iran (IR), Morocco (MA), Russia (RU), Tunisia (TN) for all vehicles; additionally Albania (AL), Belarus (BY), Moldova (MD), Turkey (TR), Ukraine (UA) excluded for heavy freight vehicles (GVW ≥3,500 kg) and passenger transport vehicles.
Unique selling points
- Optional direct settlement (decontare directă) at a fixed cost of 140 RON/year, allowing no-fault victims to claim directly from Grawe without involving the at-fault driver's insurer.
- Solvency ratio (SCR) of 252.4% in 2024 — approximately 2.5 times the legal minimum — indicating strong financial stability backed by the Grazer Wechselseitige group (founded 1828).
- Five-tier optional roadside assistance range (Gama Mobil: Basic, Util, BasicPlus, Premium, PremiumEuropa), with the highest tiers offering support across Europe, available as an add-on to the RCA policy.
- Same net premium regardless of distribution channel — the final price varies only by the distribution costs of the chosen sales channel, ensuring pricing transparency.
- Policy can be issued online instantly via my.grawe.ro, with flexible durations from 1 month to 12 months and no automatic renewal.
Coverage limits
Bodily Injury and Death Liability
€6,070,000
Covers damages for bodily injury or death caused to third parties, including non-patrimonial prejudices, up to 6,070,000 EUR per event (equivalent to 31,926,210 RON at BNR rate on the date of loss), as mandated by Law 132/2017.
Property Damage Liability
€1,220,000
Covers material damages caused to third parties, including vehicle repair costs, towing to the nearest repair shop, loss of use, court costs and de-registration/re-registration fees, up to 1,220,000 EUR per event (equivalent to 6,434,740 RON at BNR rate on the date of loss), as mandated by Law 132/2017.
Legal Defence / Court Costs
Covered
Court costs incurred by the injured third party in proceedings against the at-fault driver are covered under the RCA policy, provided the outcome is favorable to the injured party. Also covers costs related to alternative dispute resolution.
Green Card (Carte Verde) International Coverage
Covered
Green Card coverage is automatically included as an integral part of the RCA policy. It covers material damages and/or bodily injury or death caused to third parties in accidents occurring in Green Card member countries. Compensation limits are determined by the legislation in force in each respective country. Excluded countries for all vehicles: Azerbaijan, Israel, Iran, Morocco, Russia, Tunisia.
Roadside Assistance (Gama Mobil)
Optional
Roadside assistance is available as an optional add-on to the RCA policy in five variants under the Mobil range: Basic, Util, BasicPlus, Premium, and PremiumEuropa — ranging from towing and on-site breakdown assistance to travel support including outside Romania for higher-tier packages.
Driver Accident Coverage (at-fault driver)
Excluded
The RCA policy does not cover damages suffered by the driver who caused the accident. Damages to the at-fault driver's own vehicle and person are explicitly excluded under the mandatory MTPL framework (Law 132/2017).
Passenger Accident Coverage (third-party passengers)
Covered
Passengers injured in an accident caused by the insured vehicle are covered as third parties under the bodily injury liability of the RCA policy, up to the statutory limit of 6,070,000 EUR per event. This does not include passengers who had a contractual relationship with the driver/owner at the time of the accident.
Key conditions
Territorial scope
Coverage applies in Romania and in all countries listed in the Green Card document that forms part of the insurance contract. Excluded for all vehicle categories: Azerbaijan (AZ), Israel (IL), Iran (IR), Morocco (MA), Russia (RU), Tunisia (TN). Additionally excluded for freight vehicles (GVW ≥3,500 kg) and passenger transport vehicles: Albania (AL), Belarus (BY), Moldova (MD), Turkey (TR), Ukraine (UA).
Green card rules
The Green Card (Carte Verde) is automatically included as an integral part of the RCA policy and is purchased automatically with it. It is valid in all Green Card member countries subject to the exclusions stated in the territorial scope. Compensation limits abroad are set by the legislation of the country where the accident occurred. For vehicles travelling outside Romania, the Green Card document must be carried.
Driver restrictions
There are no specific named-driver restrictions under the standard RCA policy. The policy covers any person driving the insured vehicle with the owner's permission. However, the at-fault driver's own damages are excluded. High-risk insured persons may be assigned to Grawe through the BAAR (Romanian Motor Insurers' Bureau) allocation procedure, with premiums calculated from the ASF reference tariff.
Claim notification deadline
The insured must notify Grawe RCA within 5 working days of the accident. The insured must also provide Grawe with information on the causes and circumstances of the accident and all documents necessary for case handling. For accidents involving two vehicles resulting only in material damages, notification may be made using the agreed accident report form (constatare amiabilă).
Bonus-malus rules
The legal Bonus-Malus system is mandatory and applied in accordance with current legislation. The Bonus-Malus class is obtained from the AIDA database (which records all issued RCA policies). The scale ranges from B8 (50% of annual base premium) through B0 (100%) to M8 (180%). The insured may request a damage history certificate covering the last 5 years to support their Bonus-Malus classification. Direct settlement (decontare directă), if opted in, does not affect the Bonus-Malus class.
Where to buy
Policy specifics
Green Card International Coverage
Coverage for damages caused to third parties when the vehicle is involved in accidents outside Romania
SourceDirect Settlement Option
Optional direct settlement service that allows insured to claim compensation directly from Grawe when they are victims of accidents without fault
SourceBonus-Malus System
Premium adjustment system based on claims history and driving record over the past 5 years
SourceThird Party Information Provision
Insured must provide injured third parties with specific information needed for filing compensation claims upon request
SourceHigh Risk Insured Allocation Procedure
Special procedure for allocating high-risk insureds to Grawe through BAAR (Romanian Motor Insurers' Bureau) with offers calculated from ASF reference tariff
Source