Groupama Motor third-party liability (Rca Standard)

Direct Settlement Clause (Decontare Directă) available as an add-on, allowing Groupama to compensate its own insured directly for vehicle damage without requiring them to deal with the at-fault party's insurer.

Coverage in 42 of the 47 Green Card member countries included as standard, with compensation at the higher of Romanian law or the law of the accident country.

24/7 accident registration helpline (Alo Groupama 0374-110-110) and online damage notification, with compensation paid within 10 days of claim acceptance.

Insurer-backed national network of partner service centres with electronic reconstatation, automatic repair status updates, and payment approval — no need for damage inspector site visits.

Driver restrictions

No driver restrictions apply — the RCA policy covers civil liability regardless of who drives the vehicle. Coverage applies even if, at the time of the accident, the driver: (a) drove without the explicit or presumed consent of the insured; (b) did not hold a valid driving licence for that vehicle; (c) did not comply with legal obligations regarding vehicle condition and safety; or (d) was under the influence of alcohol or narcotics. Damages to the at-fault driver's own property and bodily injuries to the at-fault driver are excluded.

Claim notification deadline

Following a vehicle accident, the insured must notify Groupama within 5 working days of the accident by calling Alo Groupama at 0374-110-110. The insured must provide information on the causes and circumstances of the accident and all documents required for claim handling. If the injured party has filed a claim or legal proceedings have been initiated, Groupama must also be notified. Compensation is paid within 10 days from acceptance of the compensation offer or receipt of a final court judgment.

Bonus-malus rules

The Bonus-Malus system is governed by ASF Norm 20/2017 (Art. 31-32 and Annex 5). It comprises a base class B0 plus 8 bonus classes (B1-B8) and 8 malus classes (M1-M8); the applicable premium coefficient ranges from 50% of the base premium for class B8 (maximum bonus) to 180% for class M8 (maximum malus). For each accident with a paid claim recorded in the reference period, the insured is penalised by two classes (malus); if no claims were paid in the reference period, the insured benefits from a bonus.

Section: Titlul I > Capitolul VI > Secțiunea 4: Facilități și penalități aplicabile asiguraților RCA > Art. 31: Prevederi generale ale sistemului bonus-malus

Sistemul bonus-malus este format din categoria de bază B0, 8 clase de bonus şi 8 clase de malus; clasa B0 este atribuită unui nou asigurat, fără istoric în asigurare. ... Clasele bonus-malus, inclusiv coeficienţii aferenţi, sunt prevăzute în anexa nr. 5.

Territorial scope

Territory of Romania; EU/EEA member states and Switzerland; territories between two EU member states with no national bureau; territories of states where competent national bureaux have signed the Multilateral Agreement. All countries not barred on the Green Card document included in the RCA contract are covered.