Eazy Asigurări S.A.
eazy.insure
eazy.insure is a motor third-party liability insurance for the Romania market with online purchase and limited assistance availability.
Direct payment
Claims may be settled directly through Eazy's network of partner repair services in Romania (optional 'Decontare directă' add-on). The insurer pays compensation directly to the injured third party or to the authorised repair shop when direct settlement is chosen.
Geographic scope
Romania
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.
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
Bodily Injury and Death Liability
Covered
Maximum indemnity limit for bodily injury and death caused to third parties in a motor vehicle accident. Equivalent to the EU-mandated minimum of EUR 6,070,000 at the applicable exchange rate. If the legislation of the EU member state where the accident occurred imposes a higher limit, that higher limit applies.
Property Damage Liability
Covered
Maximum indemnity limit for material damage caused to third parties in a motor vehicle accident. Equivalent to the EU-mandated minimum of EUR 1,220,000 at the applicable exchange rate. If the legislation of the EU member state where the accident occurred imposes a higher limit, that higher limit applies.
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
The Green Card is included with the RCA policy and extends coverage to EU member states, EEA states, Switzerland, and states between EU members without national bureaus, as well as countries whose national bureaus have signed the Multilateral Agreement. Coverage applies in states whose symbols are not crossed with 'X' in the policy contract.
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.
Passenger Accident Coverage
Covered
Passengers injured in an accident caused by the insured vehicle are covered as injured third parties under the base RCA liability coverage for bodily injury and death, up to the statutory limit. No separate per-passenger sublimit is stated in the IPID.
Key conditions
Territorial scope
Coverage applies on the territory of Romania and extends internationally via the Green Card to: EU member states, EEA states, Switzerland, states between two EU member states without a national motor bureau, and states whose national bureaus have signed the Multilateral Agreement. Coverage is active only in states whose symbols are not crossed with 'X' in the RCA policy contract form.
Green card rules
The Green Card (International Insurance Certificate) is issued together with the RCA policy and is valid in the territories listed in the policy form that are not marked with 'X'. The insured must present the Green Card when traveling abroad in countries requiring it. For vehicles registered in other states to be permanently re-registered in Romania, conclusion of the RCA contract requires proof of fiscal registration of the vehicle in Romania.
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.
Where to buy
Policy specifics
Third Party Liability Coverage
Mandatory coverage for bodily injury and material damage caused to third parties in motor vehicle accidents
Green Card (International Insurance Certificate)
International insurance document allowing coverage for travel in EU, EEA countries and countries with bilateral agreements
Direct Settlement with Partner Service Network
Option to settle claims directly through eazy's extended network of repair service partners in Romania
Claims Notification Period
Insured must notify the insurer within 5 working days of a motor vehicle accident
Bonus-Malus System (Claims History)
Premium pricing adjustment based on insured's accident history and claims record
Online Claims Notification (FNOL)
Claims can be reported through online portal self.eazyinsure.ro (24/7), telephone, or email
Policy Validity Period
RCA policy can be issued for periods from 1 to 12 months as selected by the insured
Territorial Validity Scope
RCA coverage is valid on territories of EU member states, EEA states, Switzerland, and territories between EU members with agreements