Anytime Motor third-party liability (Rca)

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RCA Plus bundles mandatory liability coverage and roadside assistance in a single policy; direct settlement is available as an optional extra.

Backed by Interamerican, an insurer with over 56 years of experience in Greece.

Optional direct settlement clause available on standard RCA, allowing the policyholder to be compensated by their own insurer without waiting for the at-fault driver's insurer.

Driver restrictions

No driver age or experience restrictions beyond standard Romanian law requirements are specified. Any licensed driver authorized by the vehicle owner may drive the insured vehicle. If the policyholder or insured makes false declarations or omits information in bad faith that influences the insurer's risk assessment, the contract may be declared null. There are no grace periods for premium payment; the policy terminates without prior notice if the premium is not paid on time.

Claim notification deadline

The insured must notify Anytime (Interamerican) within 5 business days of the accident. Notification must include causes and circumstances of the accident, required documentation, whether the injured party has claimed compensation, whether criminal or administrative proceedings have been initiated, and any changes to policy information. Damage assessment takes place within 3 business days of notification or at an agreed date. The insured's failure to notify does not limit the injured third party's right to compensation.

Bonus-malus rules

The bonus-malus system is set by ASF Norm 20/2017 (Art. 31-32) and applies uniformly to all RCA insurers in Romania, including Anytime. It comprises a base class B0, assigned to a new insured with no insurance history, plus 8 bonus classes and 8 malus classes, with premium coefficients ranging from 50% (maximum bonus, class B8) to 180% (maximum malus, class M8) as set out in Annex 5 to the Norm. Each accident for which a claim was paid during the reference period results in a two-class malus penalty (premium increase), applied cumulatively for multiple accidents.

Section: CAPITOLUL VI:Prejudicii şi despăgubiri > SECŢIUNEA 4:Facilităţi şi penalităţi aplicabile asiguraţilor RCA > Art. 32: Bonusuri şi penalităţi aplicabile sistemului bonus-malus

Dacă în perioada de referinţă sunt înregistrate daune plătite, asiguraţii sunt penalizaţi prin aplicarea unui malus, respectiv majorarea primei de asigurare prin penalizarea cu două clase pentru fiecare eveniment pentru care s-a plătit o despăgubire.

Territorial scope

Covers accidents on the territory of Romania, EU member states, EEA states, Switzerland, territories between two EU member states where no national bureau exists, and states whose national bureaux are signatories to the multilateral agreement (Green Card system).