Romania insurance market
Romania's insurance market reached approximately RON 25.8 billion in gross written premiums in 2025, a 10% year-on-year increase according to the annual report of the Financial Supervisory Authority (ASF). Volumul total al activitatii de subscriere, inclusiv sucursalele, a atins aproximativ 25,8 miliarde lei, in crestere fata de anul 2024. General insurance remained dominant, with an 80% share of total gross written premiums. RCA (motor third-party liability) premiums reached approximately RON 10.9 billion, up 9% versus 2024. Claims paid grew to approximately RON 12.3 billion. At year-end, 24 companies were authorised by ASF to carry out insurance activity, alongside 15 branches operating under the freedom of establishment (FoE). Allianz Research estimated Romania's total premium income at approximately EUR 5 billion in 2025. Insurance penetration remains among the lowest in the EU, around 1.3% of GDP. Distribution remains broker-led: brokers distributed approximately 68% of the total gross written premiums of ASF-authorised companies and active local branches. In late 2025, Parliament adopted and the President promulgated a major reform of the Policyholders Guarantee Fund (FGA) law, transposing EU Directive 2021/2118 and removing the previous RON 500,000 compensation cap for RCA-related claims. Note on historical consistency: the commonly-cited RON 18.2bn figure for 2023 refers only to ASF-licensed domestic insurers, excluding branches; on the full-market basis used for 2024-2025 (companies plus FoE branches), 2023 totalled approximately RON 21.1bn, which reconciles with the official +11% growth reported for 2024 to RON 23.4bn. Piata asigurarilor din Romania a inregistrat, in 2024, un volum total al primelor brute subscrise de 23,4 miliarde lei, in crestere cu 11% fata de anul anterior. Dinamica activitatii de subscriere a fost una pozitiva in anul 2024 comparativ cu anul anterior, in crestere cu 11%, sustinuta atat de avansul inregistrat de primele brute subscrise de societatile autorizate de ASF (+9%), cat si de cresterea volumului de prime brute subscrise de sucursale. A H1 2026 ASF report shows continued growth, with the market reaching RON 14.2 billion in the first half of 2026, up 15% year-on-year.
Country market
Available products
Market overview
Market numbers
Total premiums
RON 25.8bn
Annual growth
Insurance penetration
1.3%
Active insurers
24
Population
19,036,031
Registered vehicles
11,222,292
Total premiums (RON bn)
- 202525.8 RON bn
- 202423.4 RON bn
- 202321.1 RON bn
- 202216.5 RON bn
- 202114.2 RON bn
- 202011.5 RON bn
2020 — 11.5 RON bn
2021 — 14.2 RON bn
2022 — 16.5 RON bn
2023 — 21.1 RON bn
2024 — 23.4 RON bn
2025 — 25.8 RON bn
Annual growth (%)
Non-life share / Life share
Non-life share
80.0%Life share
20.0%Insurance penetration (%)
Market data by year
Gross written premium 2025 (RON bn)
- Groupama Asigurari S.A.4.9 RON bn
- Allianz-Tiriac Asigurari S.A.3.9 RON bnRON circa 3.88bn (2025)
- Omniasig Vienna Insurance Group S.A.2.9 RON bn
- Asigurarea Romaneasca - Asirom Vienna Insurance Group S.A.2.1 RON bn
- Generali Romania Asigurare Reasigurare S.A.2.0 RON bn
Groupama Asigurari S.A. — 4.9 RON bn
Allianz-Tiriac Asigurari S.A. — 3.9 RON bn
RON circa 3.88bn (2025)
Omniasig Vienna Insurance Group S.A. — 2.9 RON bn
Asigurarea Romaneasca - Asirom Vienna Insurance Group S.A. — 2.1 RON bn
Generali Romania Asigurare Reasigurare S.A. — 2.0 RON bn
Market share 2025
Groupama Asigurari S.A.
22.5%Allianz-Tiriac Asigurari S.A.
17.7%Omniasig Vienna Insurance Group S.A.
13.3%Asigurarea Romaneasca - Asirom Vienna Insurance Group S.A.
9.5%Generali Romania Asigurare Reasigurare S.A.
9.2%Insurer directory
Active insurers
Insurers currently active in Romania.
Groupama Asigurari S.A.
Bucharest, Romania
Groupama Asigurari S.A. is the leading insurer in Romania, present in the local market since 2009, offering a wide range of property and casualty, personal, agricultural, life, and health insurance products to over 2 million individual clients and 175,000 companies. It is the Romanian subsidiary of the French Groupama Group.
RON peste 4.9bn
Allianz-Tiriac Asigurari S.A.
Allianz SE (Germania)
RON circa 3.88bn
Omniasig Vienna Insurance Group S.A.
Bucharest, Romania
OMNIASIG Vienna Insurance Group is one of Romania's leading non-life insurers, present in the market since 1995 and a member of Vienna Insurance Group, the leading insurer in Austria and Central and Eastern Europe. The company offers a broad portfolio of insurance products for individuals and legal entities, including motor, property, travel, accident, health, liability, technical, transport, financial, and maritime insurance.
RON peste 2.9bn
Asigurarea Romaneasca - Asirom Vienna Insurance Group S.A.
Bucharest, Romania
Asirom is one of Romania's oldest and largest insurance companies, tracing its history back to 1923 when it was founded as Asigurarea Românească, and re-established in its current corporate form on 1 January 1991. Since 2007 it has been part of Vienna Insurance Group (VIG), a leading insurer in Central and Eastern Europe. Asirom offers a full range of general and life insurance products for individuals and businesses through a nationwide network of agencies and a strong digital presence.
RON 2,076.9m
Generali Romania Asigurare Reasigurare S.A.
Bucharest, Romania
Generali Romania Asigurare Reasigurare S.A. is a composite insurer offering both life and non-life insurance products to retail and corporate clients in Romania. The company was re-established in 1993 as a mixed Italian-Romanian venture, before merging in 2011 with ARDAF (acquired by Generali CEE Holding) to form today's Generali Romania, and it is ranked among the top insurers by gross written premiums, holding a leading position in the CASCO segment. It is authorised and supervised by the Romanian Financial Supervisory Authority (ASF) under code RA-002.
RON 2,015.2m
NN Asigurari de Viata S.A.
NN Group N.V. (Olanda)
RON 1.26bn
Grawe Romania Asigurare S.A.
Bucharest, Romania
GRAWE România Asigurare S.A. is the Romanian subsidiary of the Austrian Grazer Wechselseitige Versicherung group, operating in Romania since 2000. It offers a full range of life, general, motor, property, travel and accident insurance products, and is one of the leading insurers on the Romanian market.
RON 1.121bn
BCR Asigurari de Viata Vienna Insurance Group S.A.
Vienna Insurance Group AG (Austria)
RON 714m
Uniqa Asigurari S.A.
Bucharest, Romania
UNIQA Asigurari S.A. is one of the leaders of the Romanian general insurance market, serving over 470,000 clients with a full portfolio of property, motor, health, life, accident, and travel insurance products. It became a member of UNIQA Insurance Group following the acquisition of UNITA in 2008, and operates alongside its sister company UNIQA Asigurari de Viata S.A., which was established in 2010.
BRD Asigurari de Viata S.A.
Societe Generale S.A. (Franta)
RON aproape 450m
Market notes
Important news
Jun 9, 2026
Bulgaria's FSC Revokes DallBogg's Insurance Licence
On 9 June 2026 Bulgaria's Financial Supervision Commission revoked the operating licence of DallBogg Life and Health AD, the FoS motor insurer already barred from writing new Romanian business since October 2025, citing failure to meet minimum capital requirements and systemic breaches, including in the Green Card system. Around 16,000 RCA policies remained in force in Romania at revocation.
Why it matters
Marks the effective collapse of the second FoS-based motor insurer in three years after Euroins, reinforcing structural concerns about cross-border supervision of low-cost FoS insurers in the RCA market and pointing to a possible future FGA claims burden if DallBogg enters insolvency.
Apr 8, 2026
ASF Fines GRAWE Romania and Six Executives Over RON 800,000 for RCA Reserve and Governance Failures
On 8 April 2026 ASF fined GRAWE Romania RON 534,200 for inadequate internal control mechanisms and insufficient RCA claims reserves as of 30 June 2025, plus over RON 300,000 in individual fines against the vice-president and other executives, for a combined total exceeding RON 800,000. GRAWE ranked third in Romania's RCA market in the first half of 2025, behind Groupama and Allianz-Tiriac.
Why it matters
One of the largest sanctions imposed on a major insurer since the City Insurance and Euroins failures, raising industry concern (POSA demanded transparency) about reserve adequacy at a top-3 RCA insurer without licence withdrawal.
Dec 4, 2025
Allianz-Tiriac Acquires Campion Broker
Allianz-Tiriac Asigurari signed an agreement to acquire the entire share capital of Campion Broker, one of Romania's largest brokerage firms with a 4.3% intermediation market share and RON 693 million in intermediated premiums at end-2024. The Campion brand and independent operations were retained; completion required ASF and Competition Council approval.
Why it matters
A landmark deal marking the first time a major Romanian insurer has taken direct ownership of one of the country's leading independent brokers, signaling accelerating vertical consolidation between underwriters and distribution.
Dec 3, 2025
New FGA Law Promulgated: Removes RON 500,000 Cap and Expands Guarantee Fund Powers
President Nicusor Dan promulgated on 3 December 2025 the law amending Law 213/2015 on the Policyholders' Guarantee Fund (FGA). The law removes the previous RON 500,000 individual compensation cap, aligning payouts with maximum RCA policy liability limits; introduces priority processing for vulnerable victims; allows FGA to borrow from the government in emergencies; and transposes EU Directive 2021/2118.
Why it matters
The most significant insurance law reform in Romania in recent years, providing much stronger consumer protection for victims of insolvent insurers and aligning Romania with EU standards.
Regulation
Regulation
ASF
Financial Supervisory Authority
ASF is the autonomous, independent, self-financed national authority responsible for regulating, authorising, supervising and controlling the insurance and reinsurance market, private pension system and capital markets in Romania. It took over the functions of the former Insurance Supervisory Commission (CSA) when established in 2013 under GEO 93/2012 approved by Law 113/2013. ASF is a voting member of EIOPA and ESMA boards and a member of ESRB. Under Law No. 237/2015, it authorises and supervises all insurance and reinsurance undertakings and intermediaries operating in Romania.
https://www.asfromania.roBAAR
Motor Insurers Bureau of Romania
BAAR is the professional association and national motor insurers bureau, member of the Council of Bureaux, comprising all insurance companies authorised in Romania to issue compulsory motor third-party liability (RCA) insurance and Green Card documents. It acts as the Romanian Green Card Bureau, as a compensation body for victims of accidents caused by uninsured or unidentified vehicles, as an information centre, and as a compensation organism under Law No. 132/2017.
https://www.baar.roFGA
Policyholders Guarantee Fund
FGA is a public-law legal person established under Law No. 213/2015, protecting insurance creditors (policyholders, beneficiaries and injured third parties) against the consequences of insurer insolvency. It managed the high-profile insolvencies of City Insurance (2021) and Euroins (2023). In late 2025, Parliament adopted and the President promulgated a major reform of Law 213/2015, transposing EU Directive 2021/2118 on motor insurance and removing the previous RON 500,000 compensation ceiling specifically for RCA-related claims, while extending FGA's powers, including emergency state loans and international cooperation agreements.
https://www.fgaromania.roUNSAR
National Association of Insurance and Reinsurance Companies in Romania
UNSAR is the industry trade association representing insurance and reinsurance companies operating in Romania, founded in 1994. It advocates for members' interests before government and parliament, promotes the insurance sector, contributes to legislative development, and is a full member of Insurance Europe since 2007.
https://unsar.roPAID
Natural Disaster Insurance Pool Romania
PAID administers Romania's mandatory household insurance scheme against natural disasters (earthquakes, floods and landslides) under Law No. 260/2008. It issues the mandatory PAD policy and manages the corresponding insurance pool. Since March 2025 it operates under the domain padrom.ro.
https://padrom.roKey legislation
Key legislation
Law No. 237/2015 on the authorisation and supervision of insurance and reinsurance activity
Primary Insurance and Reinsurance Supervision Law (Solvency II transposition)
Transposes the EU Solvency II Directive into Romanian law. Establishes the framework for the authorisation, ongoing supervision and control of insurance and reinsurance undertakings by ASF, including governance requirements, technical provisions, Solvency Capital Requirement (SCR), Minimum Capital Requirement (MCR), ORSA, and group supervision. Requires non-EU/EEA insurers to obtain ASF authorisation to operate in Romania.
Law No. 132/2017 on compulsory motor third-party liability insurance for damage to third parties caused by vehicle and tram accidents
Compulsory Motor Third-Party Liability Insurance Law (RCA)
Establishes the obligation for all vehicle owners registered in Romania to hold valid RCA insurance. Defines contract terms, covered risks, exclusions, minimum indemnity limits, and sets out the role and powers of BAAR including the compensation body for uninsured and unidentified vehicle accidents. Introduced reference tariff methodology supervised by ASF; the mandatory RCA tariff cap in force since 2023 was lifted in 2025.
Law No. 213/2015 on the Policyholders Guarantee Fund, as amended by the law promulgated 3 December 2025
Policyholders Guarantee Fund Law (2025 reform transposing Directive (EU) 2021/2118)
Establishes FGA as a public-law entity and the insurance guarantee scheme, requiring all ASF-authorised insurers and EU branches established in Romania to contribute. The reform promulgated in December 2025 transposes Directive (EU) 2021/2118 amending the Motor Insurance Directive, removes the prior RON 500,000 compensation ceiling for claims arising from RCA contracts, clarifies that the Fund does not assume insurers' debts but pays claimants within legal procedures and guarantee limits, allows emergency government loans if FGA resources are insufficient, and permits FGA to pursue additional revenue-generating activities such as claims assessment and international cooperation agreements.
Law No. 17/2024 amending Law No. 237/2015
Insurance Market Reform Law 2024 (special financial recovery and insolvency procedures)
Enacted in January 2024, introduces strengthened policyholder protection measures and market predictability. Establishes special financial recovery procedures for insurers, defines the legal regime applicable after licence withdrawal, and regulates winding-up and liquidation. Amends Law No. 85/2014 on insolvency. Repeals Law No. 503/2004 on financial recovery and bankruptcy in insurance.
Law No. 236/2018 on insurance distribution
Insurance Distribution Law (IDD transposition)
Transposes the EU Insurance Distribution Directive (IDD) into Romanian law. Regulates the requirements for insurance distributors including brokers, agents and bancassurance channels, establishing conduct-of-business standards, information disclosure obligations, and professional competence requirements. ASF has signalled plans to introduce a multi-agent concept to expand the distribution network.
Law No. 260/2008 on mandatory household insurance against natural disasters
Mandatory Household Natural Disaster Insurance Law (PAD)
Requires all owners of residential buildings in Romania to hold a mandatory PAD insurance policy covering earthquakes, floods and landslides. Establishes PAID as the pool administrator and sets minimum coverage levels. Compliance remains low in practice, with the number of PAD policies having grown from 367,287 to over 2.5 million in 16 years.
EU cross-border access
EU cross-border insurers
Axeria IARD (Sucursala Romania)
Freedom of Establishment
Home country: France
Supervisor: ACPR (France)
The largest FoE player on the Romanian motor third-party liability (RCA) market; in 2025 it had an RCA market share of 10.68% and gross written premiums of approximately RON 1,160.6 million, consistent with its share of the RON 10.9bn 2025 RCA market.
Hellas Direct - HD Insurance (Sucursala Romania)
Freedom of Establishment
Home country: Cyprus
Supervisor: ISA (Cyprus)
Branch active on the Romanian RCA market since 2022, consistently among the top 10 RCA players.
Interamerican Hellenic Insurance Company S.A. - Sucursala Romania (brand Anytime)
Freedom of Establishment
Home country: Greece
Supervisor: EIOPA - DMOAF (Greece)
The third FoE branch authorised for RCA in Romania, alongside Axeria IARD and Hellas Direct, after entering the market in 2025 under the Anytime brand.
Metropolitan Life Insurance Company - Sucursala Romania
Freedom of Establishment
Home country: Ireland
Supervisor: Central Bank of Ireland (Ireland)
Branch of MetLife Europe DAC, active on the Romanian life insurance market for over 25 years.
Aegon Poland Sucursala Floresti
Freedom of Establishment
Home country: Poland
Supervisor: KNF (Poland)
The Aegon Asigurari de Viata portfolio was transferred in 2013 to Aegon Polonia Floresti Branch, and from 1 April 2024 it was fully absorbed by Asirom VIG; the branch no longer appears in recent rankings.
DallBogg Life and Health AD - Sucursala Romania
Freedom of Services
Home country: Bulgaria
Supervisor: FSC (Bulgaria)
Active on the Romanian RCA market since November 2024 via FoS; banned from underwriting new contracts from 1 October 2025, and on 9 June 2026 the Bulgarian FSC fully withdrew its operating licence.
AWP P&C S.A. - Sucursala pentru Austria (Allianz Travel / Mondial Assistance)
Freedom of Establishment
Home country: Austria
Supervisor: FMA (Austria)
Branch of the French group AWP P&C S.A. operating in Romania under the trade names Allianz Travel / Mondial Assistance, with products referenced in 2025-2026 policy documents.
Cardif Assurance Vie S.A. Paris - Sucursala Bucuresti
Freedom of Establishment
Home country: France
Supervisor: ACPR (France)
BNP Paribas Cardif branch for life insurance linked to bank and consumer loans, confirmed operating in Romania by 2025-dated policy documentation.
Generali Deutschland Versicherung AG - Sucursala Romania
Freedom of Establishment
Home country: Germany
Supervisor: BaFin (Germany)
Branch believed to operate in Romania in parallel with the local subsidiary Generali Romania SA, but current activity could not be confirmed from an official source.
Zurich Versicherungs-Aktiengesellschaft - Sucursala Romania
Freedom of Establishment
Home country: Austria
Supervisor: FMA (Austria)
Believed to operate in Romania as a branch for corporate clients, but current activity could not be confirmed from an official source.
Atradius Credito y Caucion S.A. de Seguros y Reaseguros - Sucursala Bucuresti
Freedom of Establishment
Home country: Spain
Supervisor: DGSFP (Spain)
Spanish branch for trade credit insurance, listed in the official EU insurance corporations register for Romania.
ERV Evropska Pojistovna A.S. - Sucursala Romania
Freedom of Establishment
Home country: Czech Republic
Supervisor: CNB (Czech Republic)
Believed to operate in Romania for travel insurance, but current activity could not be confirmed from an official source.
Ergo Reiseversicherung AG - Sucursala Romania
Freedom of Establishment
Home country: Germany
Supervisor: BaFin (Germany)
Believed to operate in Romania for travel insurance, but current activity could not be confirmed from an official source.
Pacifica S.A. - Sucursala Romania
Freedom of Establishment
Home country: France
Supervisor: ACPR (France)
Non-life subsidiary of the Groupama Group in France; current activity of a Romanian branch could not be confirmed from an official source.
Distribution channels
Share by channel- 68%Insurance Brokers
- Safety Broker
- Marsh Broker
- Destine Broker
- Transilvania Broker
- Inter Broker
- Campion Broker (Allianz-Tiriac Group)
- BT Broker
- Millenium Insurance Broker
- UniCredit Insurance Broker
- PIB Group Romania (STEIN Bestasig, CND International)
- 18%Insurance AgentsNatural and legal persons
- Agenți individuali autorizați ASF
- Rețele captive ale asigurătorilor
- 6%BancassuranceBanks acting as agents or brokers
- BRD Groupe Société Générale
- BCR
- UniCredit Bank
- Raiffeisen Bank
- 5%DirectInsurer own staff
- Allianz-Tiriac
- NN Asigurări de Viață
- Groupama Asigurări
- 2%Digital / Online platforms
- Asigurari.ro
- Eazy Asigurări
- Ieftinasigurari.ro
- 1%Exempt intermediariesAncillary
Some companies appear in more than one channel.
Consumer rights
How to file a complaint- 1
File a written complaint directly with the insurer or broker (recommended first step). By law the provider must have complaint-handling procedures in place. Keep a stamped copy. Response due within 30 days.
- 2
If unsatisfied, file a petition with ASF online (portal), by email ([email protected]), by post, or call the free helpline 0800.825.627. ASF resolves within 30 days; complex cases may be extended by 15 days.
- 3
For alternative dispute resolution, submit to SAL-FIN (entity within ASF), free of charge. SAL-FIN may propose or impose a solution between consumer and insurer. Prior attempt to resolve with the company must be demonstrated.
- 4
As a last resort, pursue civil litigation in competent courts. Legal assistance from an insurance-specialized lawyer is recommended.
EU cross-border access
EU cross-border access
As an EU member state since 2007, Romania applies the Solvency II single-license (passport) system. An insurer authorized in any EEA state may operate in Romania either by opening a branch (Freedom of Establishment) or by selling policies directly without a local branch (Freedom of Services). The home-state regulator remains primarily responsible for prudential supervision; ASF supervises conduct-of-business rules for FoS operators in Romania. As of early 2026, 24 companies were authorized by ASF and 15 branches operated under Freedom of Establishment.
Directiva 2009/138/CE (Solvency II), transpusă prin Legea nr. 237/2015 privind autorizarea și supravegherea activității de asigurare și reasigurare; Legea nr. 236/2018 privind distribuția de asigurări (transpunerea IDD)
freedom of establishment
An EEA insurer may set up a branch in Romania without a separate ASF authorization. The home-state regulator notifies ASF; the branch must comply with Romanian conduct-of-business rules. As of early 2026, 15 branches operated in Romania under this regime.
freedom of services
An EEA insurer may sell insurance policies directly to Romanian policyholders from its home state without establishing a local presence, after notification between the home regulator and ASF. Conduct rules (RCA claims handling, general good provisions) set by Romanian law apply, but prudential and licensing supervision remains with the home-state authority. The 2025-2026 DallBogg case (Bulgaria-supervised FoS insurer, ultimately stripped of its licence by the Bulgarian FSC) illustrates the practical supervisory limits ASF faces over FoS operators.
Market history
Market history
1948-1990
State Monopoly Period (ADAS)
After the 1948 nationalization of all insurers, the state monopoly Administrația Asigurărilor de Stat (ADAS) became the sole insurance entity until 1990. No private competition was permitted; all insurance activity was centrally planned and state-controlled.
1990-2000
Market Formation and Privatization Attempts
In 1990 ADAS was dissolved and split into three state-owned companies: Asirom, Astra, and Carom. The state monopoly was lifted, allowing private and foreign-capital insurers to enter. By 2000 up to 73 insurance companies were active, many undercapitalized, with over 800 agents and brokers. The period was characterized by rapid quantitative growth but weak regulatory standards.
2000-2013
Consolidation, EU Accession and Post-Crisis Contraction
Market consolidation reduced companies from 73 in 2000 through mergers and failures. Romania joined the EU in 2007, adopting EU insurance directives. GWP peaked in 2008 before contracting sharply after the global financial crisis. Law 32/2000 governed the market; international groups (Allianz, Generali, Groupama, Vienna Insurance Group) established dominant positions.
2013-2023
ASF Creation, Market Crises and Solvency II Implementation
ASF was created in 2013 by merging three supervisory bodies. The Solvency II regime was applied from 2016. Major insolvencies shook the market: Astra (2015), City Insurance (2021), and Euroins (2023) collectively left hundreds of thousands of policyholders reliant on the Policyholders' Guarantee Fund (FGA). Law 237/2015 replaced Law 32/2000 for prudential supervision; IDD was transposed via Law 236/2018.
2024-2026
Recovery, RCA Price Liberalization and a Second FoS Insurer Crisis
The market reached RON 23.4 billion GWP in 2024 (+11%) and RON 25.8 billion in 2025 (+10%), with general insurance holding an 80% share. Romania lifted the RCA price and commission cap on 1 July 2025, while the Bulgarian-supervised FoS insurer DallBogg was suspended, banned from new business, and ultimately lost its licence in June 2026, echoing the Euroins episode. The December 2025 FGA law reform removed the RON 500,000 compensation cap, and consolidation continued via broker acquisitions (Allianz-Tiriac/Campion Broker, PIB Group deals).
Glossary
Glossary
ro
Asigurare
A contractual arrangement whereby an insurer undertakes to compensate the insured for specified losses in exchange for premium payment.
ro
Primă brută subscrisă (PBS)
Total premium income underwritten by an insurer in a given period before deducting reinsurance cessions.
ro
RCA (Răspundere Civilă Auto)
Mandatory insurance covering damage caused by vehicle owners to third parties in road accidents, governed by Law 132/2017.
ro
CASCO
Voluntary motor insurance covering damage to the policyholder's own vehicle regardless of fault, including theft, fire and collision.
ro
Asigurare de viață
Insurance providing a benefit on the death of the insured or upon survival to a specified date; includes term, whole-life and unit-linked products.
ro
Broker de asigurare
A licensed intermediary who acts on behalf of the client to identify and arrange insurance cover from one or more insurers, remunerated by commission.
ro
Agent de asigurare
A natural or legal person authorized to distribute insurance products on behalf of one or more specific insurers.
ro
Polița de asigurare
The written contract between insurer and policyholder that sets out the terms, conditions, coverage, exclusions and premium of the insurance arrangement.
Market notes
FAQ
Market notes
Sources
Last updated: Oct 8, 2026
- 01Autoritatea de Supraveghere Financiară (ASF)
Official Romanian insurance regulator; annual market reports, sanctions, legislation and consumer petitions portal.
- 02ASF - Sancțiuni Piața Asigurărilor 2025
Official ASF register of enforcement decisions in the insurance market during 2025.
- 03Fondul de Garantare a Asiguraților (FGA)
Policyholders' Guarantee Fund; claim processing data, insolvent insurer information and legal framework.
- 04Juridice.ro - Raport ASF piața asigurărilor 2025
Legal news summary of ASF's official 2025 annual insurance market report.
- 05Profit.ro - Piața asigurărilor T1 2026
Analysis of ASF's Q1 2026 insurance market report, including authorized insurer and branch counts.
- 06Mediafax - Noua lege FGA decembrie 2025
Analysis of the December 2025 FGA law reform eliminating the RON 500,000 compensation cap.
- 07Economedia.ro - DallBogg suspension and ban
News coverage of ASF's suspension and permanent ban of DallBogg from issuing new policies in Romania.
- 08Oficiale.ro - Retragere licență DallBogg (FSC Bulgaria)
News report on Bulgaria's FSC revoking DallBogg's insurance licence in June 2026.