GRAWE Motor third-party liability (Rca)
Underwritten by Grawe România Asigurare S.A. · Romania
motor third-party liability insurance from GRAWE for the Romania market, with online purchase.
Last verified Aug 12, 2026Sources
Unique selling points
Optional direct settlement (decontare directă) at a fixed cost of 140 RON/year, available as an add-on to the RCA policy.
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).
Optional roadside assistance (Mobil) 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
€6.1M
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.
Section: 1. Aspecte generale ale asigurării RCA > Suma Asigurată
Sumele asigurate sunt reglementate în conformitate cu prevederile legale (Legea 132/2017 privind asigurarea obligatorie de răspundere civilă pentru prejudicii produse prin accidente de vehicule) în limita a 1.220.000 Euro pentru pagube materiale și 6.070.000 Euro pentru vătămări corporale și deces.
Property Damage Liability
€1.2M
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.
Section: 1. Aspecte generale ale asigurării RCA > Suma Asigurată
Sumele asigurate sunt reglementate în conformitate cu prevederile legale (Legea 132/2017 privind asigurarea obligatorie de răspundere civilă pentru prejudicii produse prin accidente de vehicule) în limita a 1.220.000 Euro pentru pagube materiale și 6.070.000 Euro pentru vătămări corporale și deces.
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.
Section: Ce se asigură?
cheltuieli de judecată efectuate de către persoana prejudiciată sau cheltuieli aferente în cazul soluţionării alternative a litigiului dacă soluţia este favorabilă persoanei prejudiciate
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.
Section: Asigurarea de Răspundere Civilă Auto (RCA)
Polița Carte Verde este parte integrantă a poliței RCA şi se cumpără automat odată cu aceasta. Acoperirea prin asigurarea Carte Verde acoperă daune materiale și / sau decese ori vătămări corporale, fiind echivalentul poliței de asigurare RCA în afara granițelor României.
Roadside Assistance (Gama Mobil)
Optional
Roadside assistance (Mobil) is available as an optional add-on to the RCA policy.
Mobil - Asigurarea de Asistență Rutieră
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).
Section: Ce nu se asigură?
prejudiciile produse bunurilor aparţinând conducătorului vehiculului răspunzător de producerea accidentului
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.
Section: Ce nu se asigură?
prejudiciile produse bunurilor transportate, dacă între proprietarul sau utilizatorul vehiculului care a produs accidentul ori conducătorul auto răspunzător și persoanele prejudiciate a existat un raport contractual la data producerii accidentului
Key conditions
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.
Territorial scope
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.
Documents
Policy specifics
Green Card International Coverage
Coverage for damages caused to third parties when the vehicle is involved in accidents outside Romania
SourceSection: Asigurarea de Răspundere Civilă Auto (RCA)
Dacă pleci într-o călătorie cu mașina în afara granițelor României, iar vehiculul tău este implicat într-un accident de circulație de care te faci vinovat, daunele produse vor fi despăgubite prin polița Carte Verde.
Direct Settlement Option
Optional direct settlement service that allows insured to claim compensation directly from Grawe when they are victims of accidents without fault
SourcePage 3Section: 4. Calcularea primei
Polița de asigurare se poate încheia cu sau fără opțiunea de decontare directă. Prima aferentă decontării directe are valoarea de 140 lei/an, iar prima lunară se calculează prin împărțirea la 12 și multiplicarea cu numărul de luni de asigurare.
Third Party Information Provision
Insured must provide injured third parties with specific information needed for filing compensation claims upon request
SourceSection: Asigurarea de Răspundere Civilă Auto (RCA) > Drepturile și obligațiile asiguratului
Asiguratul transmite părţii prejudiciate, la cererea acesteia, informaţiile necesare pentru formularea pretenţiilor de despăgubire, în special: - numele, prenumele şi adresa ale persoanei care a condus vehiculul asigurat în momentul producerii daunei
High 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
SourceSection: Asigurarea de Răspundere Civilă Auto (RCA)
Asigurații cu risc ridicat : - informații cu privire la procedura de încadrare și alocare a asiguraților cu risc ridicat: https://www.baar.ro/asigurati-cu-risc-ridicat/
Sources
- grawe.rohttps://www.grawe.ro/drepturile-si-obligatiile-asiguratului/(opens in a new tab)
- grawe.rohttps://www.grawe.ro/fileadmin/grawe_ro/Downloads/documente_informatii_esentiale/autovehicule/PID_RCA.pdf#page=1(opens in a new tab)
- grawe.rohttps://www.grawe.ro/fileadmin/grawe_ro/Downloads/tarif_rca/RCA_tarif_prime.pdf#page=1(opens in a new tab)
- grawe.rohttps://www.grawe.ro/fileadmin/grawe_ro/Downloads/tarif_rca/RCA_tarif_prime.pdf#page=3(opens in a new tab)
- grawe.rohttps://www.grawe.ro/rca/(opens in a new tab)
GRAWE Motor third-party liability