Carrier liability policies · 9 min read

Jakub Wujec

Last reviewed: 9 September 2026

How to check a Groupama carrier liability policy

On a Groupama form, read the title “(CMR) - CLASIC”, the “ASIGURAT” (insured) block and “limita răspunderii / vehicul” (limit of liability per vehicle). “Cabotaj (cod 07)” (cabotage) has its own limit, 8.000 EUR on this form against Standard 40.000 EUR. There is no public search by number: confirm the contract on groupama.ro/contact.

This is an independent Certica tutorial. It was not written or approved by Groupama. The document shown is not a live insurance policy.

What the document can confirm, and what it cannot

Check a Groupama policy in two stages. First read the “CONTRACT DE ASIGURARE” (insurance contract) and compare it with the booking. If the rate, the cargo or the file looks wrong, send a request through groupama.ro/contact. AloGroupama 0374 110 110 is on the form footer and on the contact page.

The screenshots are a Romanian Groupama form. Match the printed labels. Each Romanian field name in this walkthrough is followed by the English meaning in brackets.

OCP is the Polish label for carrier liability for goods in transit, also called CMR insurance or cargo liability. On a Groupama form the product line is “Asigurarea de răspundere a transportatorului pentru mărfurile transportate cu vehicule rutiere (CMR) - CLASIC” (carrier liability for goods carried by road vehicles, CMR Classic). It is not vehicle MTPL. Check Romanian plates in AIDA (RCA). Check Polish plates in UFG. A company record in ONRC is not carrier verification.

What the first page of a Groupama policy looks like

Numbers 1 to 5 on the graphic are the “(CMR) - CLASIC” title with “Nr. Contract” (contract no.), the “ASIGURAT” (insured) block, “PERIOADA ASIGURATĂ” (insured period), the “RISCURI ACOPERITE” (covered risks) grid with “Cabotaj (cod 07)” (cabotage), and “FRANȘIZĂ/ EVENIMENT” (deductible per event). Step 6 is “DESCRIERE VEHICUL” (vehicle description) or the “SPECIFICAȚIE” (specification) annex. Step 7 is confirmation outside the document. The printed labels are in Romanian. Each step quotes those words and gives the English meaning in brackets.

First page of a sample Groupama CMR Clasic contract with steps 1 to 5 on the title, ASIGURAT, period, per-vehicle limit and FRANȘIZĂ — Sample fragment of a Groupama carrier liability policy. All names, numbers, values and cover details were changed for this tutorial.

How to check a Groupama carrier liability policy step by step

Step 1. Subject of insurance

On the first page find “CONTRACT DE ASIGURARE PENTRU ASIGURAREA DE RĂSPUNDERE A TRANSPORTATORULUI PENTRU MĂRFURILE TRANSPORTATE CU VEHICULE RUTIERE (CMR) - CLASIC” (insurance contract for carrier liability for goods carried by road vehicles, CMR Classic). In “Cod produs” (product code) the print is “CMR Clasic”.

On the Groupama product page, Clasic covers the named vehicles. Corporate covers the whole haulage activity. The CMR title is not Corporate. On this form cover follows the vehicle row.

Step 2. Insured party

Find the block “ASIGURAT” (insured). Compare “Denumire” (name) and “CUI” (Romanian company tax ID) with the contract and the current company record. CUI is the Romanian tax ID, the equivalent of a NIP.

Read “Localitatea” (locality), “Jud/ Sector” (county or sector) and “Strada” (street). A similar trading name is not enough. A policy issued to another group company or a previous business needs an explanation before loading.

Step 2: ASIGURAT (insured) block and CUI (tax ID) on a sample Groupama CMR Clasic contract — Sample fragment of a Groupama carrier liability policy. All names, numbers, values and cover details were changed for this tutorial.

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This form has no separate policyholder box. Base the decision on ASIGURAT and CUI, not on the name in the email.

Step 3. Policy number and period

Copy “Nr. Contract” (contract no.) exactly as printed next to “Cod produs: CMR Clasic”. “Reînnoieşte contractul” (renews the contract) is the previous contract, not this one.

In “PERIOADA ASIGURATĂ” (insured period) the dates must cover loading, the journey and the planned unloading. Cover starts at 00:00 and ends at 24:00. The Groupama PID: cover starts no earlier than 24:00 on the day the first instalment is paid, even when the period prints 00:00.

Step 3: Cod produs CMR Clasic, Nr. Contract (contract no.) and PERIOADA ASIGURATĂ (insured period) on a sample Groupama contract — Sample fragment of a Groupama carrier liability policy. All names, numbers, values and cover details were changed for this tutorial.

Step 4. Sum, territory and cabotage

In “RISCURI ACOPERITE” (covered risks) read the ticked “Standard” line and the amount “în limita răspunderii / vehicul” (limit of liability per vehicle). On this form 40.000 EUR. That cash cap is per named vehicle, not for the whole fleet.

“Cabotaj (cod 07)” (cabotage) is a separate tick. On this form it is ticked with 8.000 EUR. An empty box or a dash means no cabotage, even when Standard is 40.000 EUR.

“MONEDA ÎN CARE SE ÎNCHEIE ASIGURAREA” (currency of the contract) is EUR. Do not mix that figure with the instalment table.

Step 4: Standard 40.000 EUR per vehicle and Cabotaj (cod 07) (cabotage) 8.000 EUR on a sample Groupama contract — Sample fragment of a Groupama carrier liability policy. All names, numbers, values and cover details were changed for this tutorial.

Step 5. Cargo and clauses

Read the ticks under “CLAUZE SUPLIMENTARE” (additional clauses). On this form “Furt (cod 02)” (theft) and “Încărcare-descărcare (cod 03)” (loading and unloading) are ticked. “Transport vehicule (cod 01)” (carriage of vehicles) and “Transport mărfuri perisabile (cod 06)” (perishable goods) stay empty.

In “FRANȘIZĂ/ EVENIMENT” (deductible per event) “Fransiza generala 0” (general deductible 0) is not zero on electronics and fragile cargo. On this form electronics take 2% of the limit, fragile goods 5% of the loss, minimum 400 EUR. Empty “DST (cod 10)” means the 8.33 DST per kg cap was not bought.

Step 5: FRANȘIZĂ/ EVENIMENT (deductible per event), Furt (cod 02) (theft), Încărcare-descărcare (cod 03) (loading and unloading) and empty DST (cod 10) on a sample Groupama contract — Sample fragment of a Groupama carrier liability policy. All names, numbers, values and cover details were changed for this tutorial.

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The Groupama PID excludes tobacco, alcohol above 20 degrees, valuables and courier work. An empty Transport vehicule tick does not buy cars as cargo.

Step 6. Vehicles on DESCRIERE VEHICUL or SPECIFICAȚIE

Open “DESCRIERE VEHICUL” (vehicle description). The row has “Felul vehiculului” (vehicle type), “Marcă/ Model” (make), “Nr. înmatriculare” (registration number), “Nr. Identificare” (VIN) and “Masa maximă autorizată” (maximum authorised mass). On this form the type is “UTILITARA” (light goods vehicle) at 3.500 kg. A tractor or trailer missing from that row is outside this contract.

If the plate field prints “Conform specificației” (as per specification), open the “SPECIFICAȚIE” (specification) annex. Match the booking plate to that list. The 40.000 EUR cap on page 1 is tighter than 8.33 DST on a heavy load.

Step 6: DESCRIERE VEHICUL (vehicle description) with plate B00EXMPL and mass 3.500 kg on a sample Groupama contract — Sample fragment of a Groupama carrier liability policy. All names, numbers, values and cover details were changed for this tutorial.

Step 7. Official confirmation

Groupama has no public CMR search by number. Open groupama.ro/contact. AloGroupama 0374 110 110 is on the form footer. Do not use a phone number that appears only in the carrier’s email.

The conditions for this form sit at asigurarionline.groupama.ro/gtc/d/HLZQ42AX. The PID on groupama.ro: cover does not start before 24:00 on the day the first instalment is paid. Missing that payment voids the 00:00 start in PERIOADA ASIGURATĂ.

Limits most often missed on Groupama policies

CMR Clasic ties cover to the vehicle row

The Groupama product page splits Clasic and Corporate. Clasic covers the vehicles named in the contract. Corporate covers the whole haulage activity. The title “(CMR) - CLASIC” and “limita răspunderii / vehicul” follow the first path.

Do not take the CMR header as fleet cover. Read the DESCRIERE VEHICUL row or the SPECIFICAȚIE annex.

Cabotaj (cod 07) has its own, often lower, limit

The “Cabotaj (cod 07)” tick is independent of Standard. On this form Standard is 40.000 EUR and cabotage is 8.000 EUR. An empty box does not buy cabotage.

The CMR title and a ticked Furt box do not replace that line. Find the amount in the cod 07 row, then confirm the contract on groupama.ro.

Fransiza generala 0 does not cancel the exceptions

“FRANȘIZĂ/ EVENIMENT” starts with “Fransiza generala 0”. The sentence after the comma raises the retained amount: electronics 2% of the limit, fragile goods 5% of the loss, minimum 400 EUR.

Read the whole field, not the word 0. Match the booked cargo to that sentence before loading.

Empty ticks 01 and 06 do not buy the cargo

A ticked Standard box does not tick the rest. On this form “Transport vehicule (cod 01)” and “mărfuri perisabile (cod 06)” are empty. A ticked Furt (cod 02) or Încărcare-descărcare (cod 03) does not buy vehicles or fridge cargo.

The PID excludes vehicles as cargo unless clause 01 was bought. Fridge cargo needs tick 06 and a working thermograph.

Conform specificației without the annex confirms nothing

Some Clasic contracts print only “Conform specificației” in DESCRIERE VEHICUL. There is no plate on page 1.

Without “SPECIFICAȚIE” you cannot tell which vehicle is in. Ask for the annex and match the booking plate.

DESCRIERE VEHICUL row printing Conform specificației (as per specification) instead of a plate on a sample Groupama contract — Sample fragment of a Groupama carrier liability policy. All names, numbers, values and cover details were changed for this tutorial.

Cover starts at 24:00 on the day the first instalment is paid

The Groupama PID: cover starts on the policy date, but not before 24:00 on the day the first instalment is paid. PERIOADA ASIGURATĂ with 00:00 does not change that.

A ticked “DST (cod 10)” caps indemnity at 8.33 DST per kg even when the invoice is higher. On this form the box is empty.

SPECIFICAȚIE (specification) for CMR Clasic listing three UTILITARA (light goods) vehicles on a sample Groupama annex — Sample fragment of a Groupama carrier liability policy. All names, numbers, values and cover details were changed for this tutorial.

How to decide after you have read the policy

Check result and next step
Check result	What it means	Next step
ASIGURAT, CUI, dates, plate, Standard and Cabotaj match the booking	The document fits the planned haul	Record the result and finish the other carrier checks
A different name or CUI in ASIGURAT	The policy may belong to another party	Hold the decision and ask for an explanation or the right file
The period ends before unloading, or there is no proof of the first instalment	The PID starts cover at 24:00 on the day the first instalment is paid	Ask for a renewal and confirmation on groupama.ro before loading
Cabotage in the booking, but Cabotaj (cod 07) is empty or 8.000 EUR on a higher cargo value	The CMR Clasic title does not buy cabotage at the Standard limit	Find the amount in the cod 07 line, then confirm the file on groupama.ro
The booking plate is missing from DESCRIERE VEHICUL and from SPECIFICAȚIE	Clasic ties cover to the vehicle row	Ask for the full SPECIFICAȚIE with the right vehicle
You received only page 1 with Conform specificației and no annex	The file is incomplete	Ask for SPECIFICAȚIE and confirmation through groupama.ro/contact

What a PDF check does not confirm

How to read a Groupama policy is a different question from how to confirm that the contract is still current. The file lets you judge the declared scope. It does not open the insurer’s live record.

The PDF can be old, changed or incomplete.
A signature and a logo do not prove authenticity on their own.
A paid premium does not prove that the scope was not changed later.
CMR does not confirm vehicle MTPL, the ARR licence, VAT or the company status.
A final view on whether the cover is adequate may need a broker, the insurer or a lawyer.

Keep this in mind

The PDF alone does not prove that the contract was not later changed, cancelled or limited by an annex.

Don’t want to analyse every policy by hand?

Certica analyses the uploaded carrier liability policy in any language. It reads the insured party, the period, the document type, the territorial scopes, the sums and the named cargo categories.

Check the carrier whose policy you are reading

Official sources

FAQ

Can I check a Groupama carrier liability policy online by number?

No. Groupama has no public CMR search by number. Request a copy or the contract terms through groupama.ro/contact or through AloGroupama 0374 110 110.

Is a Groupama carrier liability policy the same as vehicle MTPL?

No. CMR is carrier liability for the goods and the haul. Vehicle MTPL is compulsory motor cover. For Romanian plates check RCA in AIDA. For Polish plates check UFG.

Where is the sum insured on a Groupama policy?

The cash cap sits in RISCURI ACOPERITE as limita răspunderii / vehicul (limit of liability per vehicle). Cabotage has a separate amount in Cabotaj (cod 07). DST (cod 10) also caps indemnity at 8.33 DST per kg when it is ticked.

Which policy dates should I compare with the booking?

The dates in PERIOADA ASIGURATĂ (insured period) must cover the whole haul. The number next to Reînnoieşte contractul is the previous contract, not this one. The PID ties the start of cover to payment of the first instalment, from 24:00 that day.

Does Conform specificației replace the plate list?

No. Conform specificației points to the SPECIFICAȚIE annex. Without that list you cannot tell which vehicle is inside CMR Clasic.

What should I check before cabotage on a Groupama policy?

Check that Cabotaj (cod 07) is ticked and that the amount covers the cargo. Then request confirmation on groupama.ro/contact.

How is CMR Clasic different from Corporate at Groupama?

Clasic covers the vehicles named in the contract or in SPECIFICAȚIE. Corporate, on the Groupama product page, covers the whole haulage activity. This form is Clasic.