Axeria Iard Motor third-party liability (Rca Standard)
Underwritten by Axeria Iard SA Lyon – Sucursala Bucuresti · Romania
motor third-party liability insurance from Axeria Iard for the Romania market, with online purchase.
Last verified Aug 12, 2026Sources
Unique selling points
Competitive pricing with some of the lowest RCA premiums available on the Romanian market for many vehicle and driver profiles.
Instant policy issuance and delivery in PDF format via email, enabling fully digital purchase through authorized broker platforms.
Green Card coverage automatically included for EU/EEA states and additional countries (Switzerland, Serbia, Albania, Andorra, Moldova, Turkey, Ukraine, Azerbaijan, Belarus, Montenegro) at no extra premium, providing broad territorial protection.
Optional Direct Settlement clause allowing Axeria to compensate its own insured directly for vehicle damages caused by a third party with valid RCA, avoiding the need to pursue the at-fault insurer.
Dedicated claims management through INTARO using latest IT solutions, targeting fast and accurate compensation for clients.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
€6.1M
Legal Defence / Court Costs
Covered
Court costs incurred by the injured party, and costs related to alternative dispute resolution where the outcome is favorable to the injured party, are covered within the applicable liability limits. No separate legal defence sublimit is stated.
Section: Ce se asigură?
cheltuieli de judecată efectuate de către persoana prejudiciată sau cheltuieli aferente în cazul soluționării alternative a litigiului dacă soluția este favorabilă persoanei prejudiciate;
Green Card International Coverage
Covered
Automatically included with every RCA policy at no additional premium. Covers all EU/EEA member states plus Iceland, Norway, Liechtenstein, Switzerland, Serbia, Albania, Andorra, Moldova, Turkey, Ukraine, Azerbaijan, Belarus, and Montenegro. For countries not listed (or crossed out) on the Green Card document, a separate additional Green Card or border insurance must be purchased. For accidents outside Romania, compensation limits are determined by the legislation of the respective country.
Section: Asigurari Generale RCA - Acoperire teritoriala
În cazul în care aveți încheiată o asigurare RCA, pe perioada valabilității acesteia aveți în mod automat și o asigurare Carte Verde valabilă pentru teritoriul statelor membre ale Uniunii Europene precum și pentru teritoriul Islandei, Norvegiei, Liechtenstein, Elveției, Serbiei, Albaniei, Andorei, Moldovei, Turciei, Ucrainei, Azerbaijan, Belarus, Muntenegru fără a plăti nici o primă de asigurare suplimentară.
Roadside Assistance
No limit stated
Roadside assistance is not mentioned as an included or optional coverage in the Axeria Iard RCA product. Not found in any official Axeria RCA source.
Driver Accident Cover (At-Fault Driver)
Excluded
Damages caused to property belonging to the driver responsible for the accident, or resulting from bodily injury or death of that driver, are explicitly excluded from RCA coverage regardless of who files the claim.
Section: Ce nu se asigură?
prejudiciile produse bunurilor aparţinând conducătorului vehiculului răspunzător de producerea accidentului, precum şi cele produse ca urmare a vătămării corporale sau decesului acestuia, indiferent cine solicită aceste despăgubiri;
Passenger Accident Cover
Covered
Passengers injured in an accident caused by the insured vehicle are covered as third-party injured persons under the bodily injury liability limit (6,070,000 EUR per accident). There is no separate passenger accident sublimit; coverage is subsumed within the bodily injury liability cover. Family members of the insured or driver are explicitly not excluded from claiming for their own bodily injuries.
Key conditions
Driver restrictions
Persons (natural or legal) who use vehicles exclusively for training, racing, competitions, or legally organised rallies are not obliged to take out an RCA contract for risks arising from those activities; for those risks, vehicle owners or competition organisers may obtain voluntary insurance. All other vehicle users are subject to the mandatory RCA obligation.
Claim notification deadline
The insured must notify the Axeria Iard RCA insurer of any vehicle accident within 5 business days of the event. The insured must also provide information on the causes and circumstances of the accident, all documents necessary for case handling, and whether criminal or administrative proceedings have been initiated against them in connection with the event. The injured party must also be provided with the information necessary to submit a compensation claim upon request.
Bonus-malus rules
The RCA premium is adjusted according to a bonus-malus system regulated by the Financial Supervisory Authority (ASF). Driver history is sourced from both the mandatory RCA insurance database and the records held by the relevant directorate of the Ministry of Internal Affairs. The insurer is obliged to inform policyholders of the premium calculation method and to notify them of contract expiry 30 days in advance. Upon request, a claims history certificate covering the last 5 years must be issued within 15 days.
Territorial scope
Valid in Romania, all EU/EEA member states and, under the automatic Green Card, Iceland, Norway, Liechtenstein, Switzerland, Serbia, Albania, Andorra, Moldova, Turkey, Ukraine, Azerbaijan, Belarus and Montenegro. For any other country, or where the country symbol is crossed out on the Green Card document, a separate Green Card or border insurance must be purchased.
Documents
Axeria RCA Product Information Document (PID/IPID) (opens in a new tab)
Product information sheet · PDF
Axeria Iard Terms and Conditions (RCA) (opens in a new tab)
Terms & conditions · PDF
Axeria Iard RCA Product Page (including Direct Settlement Clause conditions) (opens in a new tab)
Other document · PDF
Policy specifics
Direct Settlement between RCA Insurers
Optional additional clause offering direct settlement services for damages caused to insured vehicle by liable third parties with valid RCA insurance
SourceSection: Asigurari Generale RCA - Acoperire teritoriala > Clauza de decontare directa
In conformitate cu prevederile prezentei clauze si in schimbul unei prime suplimentare, Asiguratorul ofera servicii de decontare directa propriilor Asigurati RCA pentru daunele produse vehiculului asigurat prin accidente de vehicule de catre terte persoane vinovate, cu asigurare RCA valabila la data accidentului.
Green Card Coverage
Automatic international insurance coverage valid in EU member states and other European countries, included with RCA policy at no additional premium
SourceSection: Asigurari Generale RCA - Acoperire teritoriala
În cazul în care aveți încheiată o asigurare RCA, pe perioada valabilității acesteia aveți în mod automat și o asigurare Carte Verde valabilă pentru teritoriul statelor membre ale Uniunii Europene precum și pentru teritoriul Islandei, Norvegiei, Liechtenstein, Elveției, Serbiei, Albaniei, Andorei, Moldovei, Turciei, Ucrainei, Azerbaijan, Belarus, Muntenegru fără a plăti nici o primă de asigurare suplimentară.
Accident Notification Requirement
Insured must notify the RCA insurer of vehicle accidents within 5 business days of occurrence
SourcePage 2Section: Ce obligații am?
să notificați Asigurătorul RCA cu privire la producerea unui accident de vehicule în termen de 5 zile lucrătoare;
Material Damages Coverage Components
RCA covers material damages including deregistration and registration costs, stamp duty costs, expenses for limiting damages, expenses related to vehicle value decrease after repairs, and costs for restoring vehicle to pre-event condition
SourcePage 1Section: Ce se asigură?
prejudicii materiale, inclusiv costuri de radiere și înmatriculare, costuri cu taxe de timbru, cheltuieli cu limitarea prejudiciului, dovedite cu acte, cheltuieli aferente diminuării valorii vehiculului după reparații, dovedite cu acte sau expertiză;
Bodily Injury and Death Coverage
RCA covers bodily injuries and death caused by vehicle accidents, including non-pecuniary damages
SourcePage 1Section: Ce se asigură?
vătămări corporale sau deces, inclusiv pentru prejudicii fară caracter patrimonial;
Compensation Limits
Compensation limits established by Financial Supervisory Authority (ASF): 1,220,000 EUR for material damages per accident; 6,070,000 EUR for bodily injuries and death per accident
SourcePage 1Section: Ce se asigură? > Limite de despăgubire
1.220.000 Euro - pentru prejudicii materiale produse în unul şi acelaşi accident, indiferent de numărul persoanelor prejudiciate; 6.070.000 Euro - pentru vătămări corporale şi decese, inclusiv pentru prejudicii fără caracter patrimonial produse în unul şi acelaşi accident, indiferent de numărul persoanelor prejudiciate;
Policy Duration Options
RCA contracts can be concluded for periods between 1 month and 12 months (in monthly multiples), with 30-day validity option available for vehicles with provisional registration
SourcePage 2Section: Când începe și când încetează acoperirea? > Valabilitatea contractului RCA
contractul RCA se încheie pe o perioadă cuprinsă între o lună și 12 luni (multiplu de o lună), în funcţie de opţiunea Asiguratului;
Direct Settlement Applicability Conditions
Direct settlement between RCA insurers applies only when: accidents occur on Romanian territory; vehicles are registered in Romania; damages are caused exclusively to vehicles; both vehicles have valid RCA insurance at time of accident; damages exclude bodily injuries
SourceSection: Asigurari Generale RCA - Acoperire teritoriala > Clauza de decontare directa
Decontarea directa intre Asiguratorii RCA este aplicabila numai la indeplinirea cumulativa a urmatoarelor conditii: → accidentele auto se produc pe teritoriul României; → vehiculele implicate in accidentele auto sunt inmatriculate / inregistrate in Romania; → prejudiciile sunt produse exclusiv vehiculelor; → ambele vehicule implicate in accidentul auto au asigurare RCA valabila la data evenimentului; → prejudiciile exclud vatamarile corporale.
Sources
Axeria Iard Motor third-party liability