Allianz

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.

Direct Settlement Clause

Optional additional service allowing injured parties to receive compensation directly from the insurer of the at-fault party

Green Card Territory Coverage

Coverage valid on territory of Green Card member states for accidents occurring outside Romania

Accident Persons Clause

Optional additional coverage providing free inclusion with Comfort package if policy purchased for 12 months

Legal Assistance Coverage

Covers costs of legal assistance from registered Romanian lawyers for civil proceedings related to accidents

Road Assistance Coverage

Provides roadside assistance services including towing and transport of passengers in event of accident

Injury Notification Timeframe

Insured must notify insurer of accident within 5 working days of occurrence

Friendly Accident Statement

For accidents involving two vehicles with only property damage, drivers can use standardized form to document accident details

Premium Payment Grace Period

Policy provides grace period for premium payment before automatic suspension occurs

Policy Termination Requirement

Non-payment of premium results in immediate policy termination without prior notice

Indemnity Limits by Legislation

Indemnity limits are set according to MTPL legislation in force in Romania at time of policy conclusion