GRAWE Insurance Company d.d.

Driver age and experience limit

A premium surcharge applies for a driver with less than 3 years of driving experience, or a learner driving with a supervising co-driver; driving experience is counted from the date the driver first obtained the relevant category of licence (AK-17/1 art. 5(1)(f); IPID: surcharge required for drivers with less than 3 years' driving experience).

Repair network requirements

No mandatory repair-location restriction is stated in the general terms. The IPID indicates that using a workshop from GRAWE's contracted service network extends replacement-vehicle cover from 3 to 7 days for partial damage claims; repairs outside Slovenia/Europe are not addressed beyond the general territorial scope clause.

Territorial scope

The T&Cs state cover applies while the vehicle is within geographical Europe (AK-17/1 art. 23, GKE-17/1 art. 24), while the IPID states cover applies in Slovenia and in Green Card signatory countries (EEA members and associated countries listed on the international Green Card).

Anti-theft requirements

Indemnity for vehicle theft is paid only upon presentation of all original and spare vehicle keys and the vehicle registration document; parts/accessories are covered only if fixed to or locked inside the vehicle at the time of theft (AK-17/1 art. 3(2)(2); GKE-17/1 art. 3(1)(15)).

Claim notification deadline

The insured must notify the insurer of a claim no later than 3 days after becoming aware of it (unless prevented, e.g. hospitalisation), confirming an oral report in writing within a further 3 days; the police must be notified immediately for fire, explosion, theft, robbery, vandalism or traffic-accident claims (AK-17/1 art. 17; GKE-17/1 art. 17).

Deductible rules

Under Polni kasko a deductible of 0%, 1% or 4% may be agreed, applied only to traffic-accident and falling-object/ice/snow claims (AK-17/1 art. 8). GRAWE KASKO ELITE can only be sold with a single flat deductible equal to 0.5% of the new purchase value of the vehicle plus accessories, applied to every claim (GKE-17/1 art. 7; grawe.si product page).

Unified deductible as percentage

GRAWE KASKO ELITE has a unified deductible of 0.5% of the new purchase value of the vehicle with accompanying additional equipment

Bonus/malus exemption

GRAWE KASKO ELITE does not affect the bonus/malus rating system; claims do not impact future premiums based on bonus/malus classification

Glass breakage coverage

Coverage for breakage or damage to standard installed glass on motor vehicle, excluding light and mirror glass

Theft coverage requirements

Coverage for vehicle theft is only paid upon presentation of original and spare vehicle keys and traffic permit

Partial casco combinations available

Multiple partial casco coverage combinations available: D (glass), E (glass), N (replacement vehicle), J, H, K, B, and others as per policy terms

Package discounts and green card

GRAWE KASKO ELITE offers package discounts and complimentary international green card coverage

Vehicle repair location restriction

Vehicle can only be repaired in Slovenia; repair abroad only possible with prior written consent from insurer

Applicable law jurisdiction

Insurance contract is governed by the laws of Republic of Slovenia and the Obligation Code (Obligacijski zakonik)

Coverage territory

Coverage applies in Republic of Slovenia and countries that are signatories to the Agreement between national insurance bureaus of EU member states and associated members (Green Card territory)

Premium payment schedule options

Premium must be paid at policy inception; optional payment in monthly, quarterly, or semi-annual installments available by agreement

Prohibition on driving under influence

Policyholder obligation not to drive under the influence of drugs or alcohol; violations may result in claim denial