eazy.insure Motor third-party liability (Rca)
Underwritten by Eazy Asigurări S.A. · Romania
motor third-party liability insurance from eazy.insure for the Romania market, with online purchase.
Verified Aug 12, 2026 · Terms dated 2025-11-16Sources
Unique selling points
Policy issued 100% online in 3–4 minutes with instant PDF delivery to email, no physical documents required.
Online claims portal (self.eazyinsure.ro) available 24/7 for claim notification, with over 50% of claims resolved in under 10 days.
Optional direct settlement ('Decontare directă') through an extended network of partner repair centres, simplifying the repair process for policyholders.
Competitive pricing driven by a lean InsurTech model, with bonus-malus discounts rewarding claim-free driving history.
Expiry reminder service via SMS or email for any RCA policy, regardless of insurer, keeping drivers continuously covered and legally compliant.
Coverage limits
Liability limit (covers injury + property damage)
One combined sum for both bodily injury and property damage, not two separate limits.
RON 31.9M
Legal Defence / Court Costs
Covered
Court costs incurred by the injured third party, and costs related to alternative dispute resolution where the outcome is favourable to the injured party, are covered as part of the base RCA coverage, with no separate stated sublimit.
Green Card (International Insurance Certificate)
Covered
Coverage extends internationally via the policy's territorial scope to EU member states, EEA states, Switzerland, states between two EU member states without a national bureau, and countries whose national bureaus have signed the Multilateral Agreement. Coverage applies in states whose symbols are not crossed with 'X' in the policy contract.
Section: Unde beneficiez de asigurare?
Asigurarea este valabilă pe teritoriul statelor ale căror simboluri din formularul contractului RCA nu sunt barate cu ”X”.
Transport of Damaged Vehicle (Third Party)
Covered
Costs related to the transport of the damaged vehicle belonging to the injured third party are covered as part of the base RCA liability coverage. This is a third-party liability benefit, not a roadside assistance service for the policyholder's own vehicle. No separate roadside assistance product for the insured's own vehicle is evidenced in the IPID.
Driver Accident Coverage (At-Fault Driver)
Excluded
Damages to the property of the driver responsible for the accident, and damages arising from their bodily injury or death, are explicitly excluded under the statutory exclusions of the RCA policy.
Key conditions
Driver restrictions
All drivers of the insured vehicle are covered under the RCA policy as the coverage is vehicle-based (mandatory for all owners of registered vehicles). No named-driver or age restrictions are imposed by the insurer beyond the statutory framework. Persons and legal entities using vehicles exclusively for training, races, or rallies organised legally are not required to hold an RCA contract; such risks may be insured facultatively.
Claim notification deadline
The insured must notify the RCA insurer within 5 working days from the date of the motor vehicle accident, providing information about the causes and circumstances of the accident and informing the insurer whether the injured party has claimed compensation and whether criminal or administrative proceedings have been initiated.
Bonus-malus rules
Premium pricing is adjusted according to the insured's bonus-malus class, which reflects their accident and claims history. Claim-free years move the insured to a better bonus class with lower premiums; at-fault accidents causing paid claims move the insured to a malus class with higher premiums. The system is applied to the driver, not the vehicle. EU damage record certificates are accepted. The system is regulated by ASF norms under Law 132/2017 and ASF Norm 20/2017.
Territorial scope
Territory of Romania; territories of EU member states, EEA states, and Switzerland; territories of states between two EU member states without a national bureau; territories of states whose national bureaus have signed the Multilateral Agreement. Coverage applies in states whose symbols are not crossed with 'X' in the policy form.
Documents
Policy specifics
Third Party Liability Coverage
Mandatory coverage for bodily injury and material damage caused to third parties in motor vehicle accidents
SourceSection: Acoperire RCA Eazy Insure conform legislației
Asigurarea auto RCA Eazy Insure acoperă daunele produse terților în urma unui accident auto, conform Legii 132/2017:
Green Card (International Insurance Certificate)
International insurance document allowing coverage for travel in EU and EEA states, Switzerland, and countries whose national bureaus have signed the Multilateral Agreement
SourcePage 2Section: Unde beneficiez de asigurare?
Teritoriile statelor în care sunt competente birourile naţionale auto care au semnat Acordul multilateral.
Direct Settlement with Partner Service Network
Option to settle claims directly through eazy's extended network of repair service partners in Romania
SourceSection: Declarare daune și despăgubiri Eazy Insure
Eazy Insure oferă opțiunea de decontare directă prin rețeaua extinsă de service-uri partenere din România, simplificând procesul de reparații pentru asigurații RCA.
Claims Notification Period
Insured must notify the insurer within 5 working days of a motor vehicle accident
SourcePage 2Section: Ce obligații am?
ne avizați în termen de 5 zile lucrătoare de la data producerii accidentului de vehicule
Online Claims Notification (FNOL)
Claims can be reported through online portal self.eazyinsure.ro (24/7), telephone, or email
SourceSection: Declarare daune și despăgubiri Eazy Insure > Cum declari o daună la Eazy Insure:
Portal online: self.eazyinsure.ro - disponibil 24/7
Policy Validity Period
RCA policy can be issued for periods from 1 to 12 months as selected by the insured
SourceTerritorial Validity Scope
RCA coverage is valid on territories of EU member states, EEA states, Switzerland, and territories between EU members with agreements
SourceSources
eazy.insure Motor third-party liability