Allianz
Allianz-Țiriac is a motor third-party liability insurance for the RO market with online purchase and 24/7 assistance.
Direct payment
Allianz-Țiriac offers an optional Direct Settlement clause (Decontare directă) which allows the injured party to recover compensation directly from their own MTPL insurer (Allianz-Țiriac) when the at-fault party is also MTPL insured. This clause is valid only for accidents on Romanian territory involving vehicles registered in Romania, with no bodily injuries, no more than two vehicles involved, and only material damage to the vehicles. Standard MTPL indemnities are paid directly to injured third parties within 15 business days from the submission of all required documents.
Geographic scope
Europa / Sistemul Internațional Carte Verde
Teritoriul României și teritoriul țărilor membre ale Sistemului Internațional Carte Verde înscrise în polița RCA (Albania, Austria, Andorra, Azerbaidjan, Belgia, Bosnia și Herzegovina, Bulgaria, Cehia, Cipru, Croația, Danemarca, Estonia, Elveția, Finlanda, Franța, Germania, Grecia, Iran, Irlanda, Islanda, Italia, Letonia, Lituania, Luxemburg, Macedonia, Malta, Marea Britanie, Maroc, Moldova, Muntenegru, Norvegia, Olanda, Polonia, Portugalia, Slovacia, Slovenia, Spania, Suedia, Serbia, Tunisia, Turcia, Ucraina, Ungaria) și care nu sunt barate. Începând cu 1 ianuarie 2024, acoperirea Carte Verde pentru Iran este suspendată.
Unique selling points
- Allianz-Țiriac holds a 19.45% market share in the Romanian MTPL segment, making it the market leader, with a solvency ratio of 245% and ASF rating of 4.5/5.
- Optional Direct Settlement (Decontare directă) clause allows the insured to recover their own vehicle damage directly through their own Allianz-Țiriac MTPL policy, without dealing with the at-fault party's insurer.
- Claims can be reported and tracked 24/7 online at allianztiriac.ro or via the Allianz-Țiriac mobile app, with real-time status updates delivered by SMS or email through the Claims Tracker service.
- Non-stop roadside assistance (021 312 22 39) with an estimated intervention time of 45 minutes in approximately 80% of cases, covering all of Europe except Belarus, Ukraine, Russia and Moldova.
- My Car bundled packages (Confort, Plus, Extra, Max) allow combining mandatory MTPL with optional legal support, personal accident, and extended roadside assistance under a single contract with automatic kilometre-based premium discounts.
Coverage limits
Bodily Injury and Death Liability
Covered
Covers bodily injury or death caused to third parties, including non-pecuniary damages (psychological trauma), resulting from an accident involving the insured vehicle. The indemnity limit per accident is RON 31,926,210 regardless of the number of injured persons. Coverage applies at the level imposed by the legislation of the member state where the accident occurred, or at the level of Romanian legislation if the latter is higher.
Property Damage Liability
Covered
Covers material damage caused to third parties resulting from an accident involving the insured vehicle, including costs of deregistration and re-registration, costs related to damage limitation, costs related to diminution of vehicle value after repairs, costs of restoring the vehicle to its pre-accident state, and transport costs of the damaged vehicle. The indemnity limit per accident is RON 6,434,740 regardless of the number of injured persons.
Legal Support (Legal Protection)
Optional
Covers legal support expenses (reasonable fees of lawyers registered in Romania) to protect the insured's legitimate interests in case of a road traffic accident involving the MTPL-insured vehicle resulting in damages to third parties or engaging civil, contravention or criminal liability including driving licence suspension. For accidents abroad, covers fees of Romanian lawyers subcontracting foreign lawyers. Coverage also extends to other authorised drivers and passengers. Indemnity limit specified in the insurance policy. Available as part of the Confort, Plus, Extra and Max packages when combined with RCA.
Green Card (International Motor Insurance Certificate)
Covered
The MTPL policy includes Green Card coverage valid on the territory of Green Card member states listed in the policy (Albania, Austria, Andorra, Azerbaijan, Belgium, Bosnia and Herzegovina, Bulgaria, Czech Republic, Cyprus, Croatia, Denmark, Estonia, Switzerland, Finland, France, Germany, Greece, Iran, Ireland, Iceland, Italy, Latvia, Lithuania, Luxembourg, Macedonia, Malta, Great Britain, Morocco, Moldova, Montenegro, Norway, Netherlands, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Serbia, Tunisia, Turkey, Ukraine, Hungary) provided those countries are not crossed out. Iran Green Card coverage is suspended as of January 1, 2024.
Roadside Assistance (Technical Road Assistance)
Optional
Available as an optional add-on to the RCA policy (listed as an additional coverage option in the IPID). When included in a My Car package alongside RCA, basic roadside assistance covers on-site repairs (1 hour of labour), towing to the nearest repair shop, passenger transport up to 50 km, and information services. Coverage is valid in Europe including the European part of Turkey and the Greek part of Cyprus, except Belarus, Ukraine, Russia and Moldova. The estimated intervention time is 45 minutes (in approximately 80% of cases). Extended roadside assistance is available in Plus, Extra and Max packages.
Personal Accident – Driver
Optional
Available as an optional add-on to the RCA policy (listed as an additional coverage option in the IPID). When included in a My Car package alongside RCA, covers death or injury of the car driver as a result of a road traffic accident. Covers death, total permanent disability (communicated within 1 year of accident), and temporary disability (hospitalisation >10 consecutive days or medical care/rehabilitation >20 consecutive days). In the Confort package a basic level is included; in Plus, Extra and Max an extended level with higher indemnity limits applies (limits are twice those of the basic package). The specific sum insured/indemnity limit is detailed in the individual policy. Included for free in the Confort package for 12-month policies (Accident Persons clause).
Personal Accident – Passengers
Optional
Available as an optional add-on to the RCA policy. When included in a My Car package alongside RCA, covers death or injury of passengers in the vehicle as a result of a road traffic accident during the period of insurance. Coverage is valid while passengers are using, stopping, entering or exiting the vehicle and during loading/unloading of luggage. Covers death, total permanent disability (communicated within 1 year of accident), and temporary disability (hospitalisation >10 consecutive days or medical care >20 consecutive days). In the Confort package a basic level is included; in Plus, Extra and Max an extended level with higher indemnity limits applies (limits are twice those of the basic package). The specific sum insured/indemnity limit is detailed in the individual policy.
Key conditions
territorial_scope
Coverage is valid on the territory of Romania and on the territory of Green Card member states listed in the policy (Albania, Austria, Andorra, Azerbaijan, Belgium, Bosnia and Herzegovina, Bulgaria, Czech Republic, Cyprus, Croatia, Denmark, Estonia, Switzerland, Finland, France, Germany, Greece, Iran, Ireland, Iceland, Italy, Latvia, Lithuania, Luxembourg, Macedonia, Malta, Great Britain, Morocco, Moldova, Montenegro, Norway, Netherlands, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, Serbia, Tunisia, Turkey, Ukraine, Hungary) that are not crossed out. Coverage applies at the level of the legislation of the member state where the accident occurred, or at the level of Romanian legislation if the latter is higher. Iran Green Card coverage is suspended as of January 1, 2024.
green_card_rules
The Green Card (International Motor Insurance Certificate) is included with the MTPL policy and is valid in the Green Card member states listed in the policy that are not crossed out. As of January 1, 2024, Iran Green Card coverage is suspended. Coverage is also provided for journeys directly linking two EU/EEA territories even through non-member territories where no competent national motor bureau exists. The indemnity limits applied abroad are the higher of the local member state legislation or Romanian legislation.
driver_restrictions
The MTPL policy covers any person driving the insured vehicle with the owner's consent. There are no specific driver age restrictions for the mandatory MTPL coverage itself. However, for optional Personal Accident and Legal Support coverages bundled in My Car packages, the driver must hold a valid driving licence at the time of the accident; coverage is excluded if the driver did not hold a valid driving licence or was under the influence of alcohol, narcotic substances or medicines incompatible with the right to drive. Vehicles used exclusively in restricted motorsport events organised with alternative guarantee instruments are exempt from the mandatory MTPL obligation.
claim_notification_deadline
The insured must notify Allianz-Țiriac of an accident within 5 business days of the occurrence of the accident. For other insured risks (not bodily injuries): 3 business days. For accidents involving bodily injuries (Personal Accident and Legal Support): 15 business days from the date of occurrence. For total vehicle theft: 1 business day from discovery. For loss or theft of vehicle keys: 1 business day. For civil/criminal liability actions (Legal Support): 15 business days from receiving notice of an action, but no later than 15 business days from policy expiry if not renewed. Claims can be notified online at www.allianztiriac.ro, via the Allianz-Țiriac mobile app, or by phone to the Claims Centre at 021/201.91.80 or 021/201.91.81.
bonus_malus_rules
The bonus-malus classes applicable to the mandatory MTPL policy are set out in the MTPL Law (Legea RCA) in force. For the optional Motor Own Damage (Casco) coverages bundled in My Car packages, Allianz-Țiriac assigns a bonus or malus class based on the insured's loss history at contract inception and adjusts it at renewal: one superior bonus/inferior malus class if no indemnities were paid or are owed; one inferior bonus/superior malus class if indemnities were paid or are owed. Cases where an identified third party is exclusively responsible for the insured risk are not taken into account in determining the bonus/malus class.
Where to buy
Documents
IPID RCA – Persoane Fizice (Versiunea 6 / 03.02.2026)
ipid
IPID RCA – Persoane Juridice (Versiunea 6 / 03.02.2026)
ipid
Ghid de beneficii Asigurare Auto My Car – GBA v.12 (februarie 2026) – Română
terms_and_conditions
Insurance Benefits Guide Motor Insurance My Car – GBA v.12 (February 2026) – English (free translation)
terms_and_conditions
Policy specifics
Direct Settlement Clause
Optional additional service allowing injured parties to receive compensation directly from their own Allianz-Țiriac MTPL insurer following an accident caused by a third party who is MTPL insured. Can only be purchased together with the MTPL policy.
Green Card Territory Coverage
Coverage valid on the territory of Green Card member states for accidents occurring outside Romania, as listed in the policy and not crossed out.
Accident Persons Clause
Optional additional coverage for personal accidents (death and/or disability) of the driver and passengers. Available as a paid add-on to RCA or included for free in the Confort My Car package for 12-month policies.
Legal Assistance Coverage
Covers costs of legal assistance from registered Romanian lawyers for civil, contravention and criminal proceedings related to accidents involving the MTPL-insured vehicle. Indemnity limited to reasonable costs as assessed by Allianz-Țiriac.
Road Assistance Coverage
Optional roadside assistance coverage providing on-site repairs, towing and transport of passengers in the event of accident, breakdown, vandalism, theft or other immobilising event. Basic level available in Confort package; extended level in Plus, Extra and Max packages.
Injury Notification Timeframe
Insured must notify the MTPL insurer of an accident within 5 business days of occurrence. For accidents with bodily injuries, notification for Personal Accident and Legal Support coverages must be made within 15 business days.
Friendly Accident Statement
For accidents involving two vehicles with only property damage, drivers can use the standardised Accident Statement form (Constatare amiabilă) to document accident details without requiring the Traffic Police. The form can be completed electronically and contains identification of drivers, vehicles, insurance companies and accident circumstances.
Premium Payment Grace Period
For Casco coverages bundled in My Car packages, the policy provides a grace period of 5 calendar days for payment of due premium instalments (excluding the first instalment). A claim occurring during the grace period may still be indemnified provided the premium instalment is paid no later than the grace period expiry date.
Policy Termination – Non-Payment
For the mandatory MTPL (RCA) policy, if the policyholder/insured does not pay the insurance premium as agreed, Allianz-Țiriac will terminate (cancel) the policy without any prior notice, and such terminated policy will produce no effect with respect to injured third parties or state authorities.
Indemnity Limits by Legislation
Indemnity limits are set according to the MTPL legislation in force in Romania (Legea nr. 132/2017 and Norma 20/2017, with subsequent amendments) at the time of policy conclusion. The bodily injury and death limit is RON 31,926,210 per accident. The property damage limit is RON 6,434,740 per accident. Both limits apply regardless of the number of injured persons and the number of persons responsible for the damage.