Generali Motor third-party liability (Rca)

Online RCA policy calculation and purchase available instantly, with the policy delivered directly by email after payment.

Compensation is paid rapidly and directly to the repair shop, so the policyholder does not need to advance repair costs.

Optional driver accident rider (Benefit / Benefit Plus) personalises coverage for death or permanent invalidity, with Benefit Plus offering double the insured sums of the standard Benefit package.

Extended territorial coverage for passenger cars and light vans up to 7.5t includes non-EU Green Card countries such as Turkey, Morocco, Ukraine and others, beyond the minimum EU/EEA requirement.

Driver restrictions

The policyholder must declare the drivers on the contract. The bonus-malus classification is based on the driving history of the insured/declared drivers. If the vehicle is taken and used without the owner's consent and this is reported in writing to the police, the insured's bonus-malus class is not affected.

Claim notification deadline

The policyholder must notify the RCA insurer of an insured event within 5 working days of the accident occurring. Within the same 5-day period the policyholder must also notify the insurer if: (a) the injured party has claimed compensation from it; (b) criminal or administrative proceedings have been initiated against the policyholder; (c) the injured party has filed a claim with a court or authority; (d) information in the RCA contract has changed during the contract period.

Bonus-malus rules

The bonus-malus system has 17 classes: base class B0 (100% of premium), 8 bonus classes (B1–B8, ranging from 95% down to 50% of premium) and 8 malus classes (M1–M8, ranging from 110% up to 180% of premium). New policyholders without insurance history start at B0. Each claim-free year advances the policyholder one bonus class. Each paid claim results in a two-class malus penalty. Individual policyholders holding multiple vehicles share the same bonus-malus class across all vehicles. Legal entities apply bonus-malus separately per vehicle.

Section: TITLUL I:Asigurarea obligatorie de răspundere civilă auto > CAPITOLUL VI:Prejudicii şi despăgubiri > SECŢIUNEA 4:Facilităţi şi penalităţi aplicabile asiguraţilor RCA > Art. 31: Prevederi generale ale sistemului bonus-malus

Sistemul bonus-malus este format din categoria de bază B0, 8 clase de bonus şi 8 clase de malus; clasa B0 este atribuită unui nou asigurat, fără istoric în asigurare.

Territorial scope

For passenger cars and light vans up to 7.5t: Romania, EU/EEA, Switzerland, United Kingdom, and non-EU Green Card countries (Albania, Andorra, Bosnia & Herzegovina, Morocco, Moldova, North Macedonia, Montenegro, Serbia, Tunisia, Turkey, Ukraine). For other vehicles: Romania, EU/EEA, Switzerland, United Kingdom only.