Generali Romania Asigurare Reasigurare S.A.
Generali
Generali is a motor third-party liability insurance for the Romania market with online purchase and limited assistance availability.
Direct payment
After the injured party expresses written acceptance of the compensation offer, payment is made according to the injured party's instructions. Compensation may be paid directly to the repair shop. The compensation amount can be reviewed upon request based on supporting documents submitted after payment.
Geographic scope
Romania and Green Card member states
For passenger cars and light vans up to 7.5t: Romania, EU/EEA, Switzerland, 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 only.
Unique selling points
- 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.
- Part of the global Generali Group, one of the world's largest insurance providers, ensuring financial stability and claims-paying capacity.
Coverage limits
Bodily injury and death liability
€6,070,000
Covers third-party bodily injury and death claims, including non-patrimonial damages, arising from one and the same accident regardless of the number of injured persons, up to the statutory limit of 6,070,000 EUR (equivalent in RON at the BNR exchange rate on the date of the accident).
Property damage liability
€1,220,000
Covers third-party property damage claims arising from one and the same accident regardless of the number of injured persons, up to the statutory limit of 1,220,000 EUR (equivalent in RON at the BNR exchange rate on the date of the accident). Includes costs of restoring the vehicle to its pre-accident condition, loss-of-use damages including temporary vehicle replacement, costs of transporting the damaged vehicle, and damage caused by devices or installations fitted to the vehicle.
Legal defence costs
Covered
Court costs (cheltuieli de judecată) are included as a covered basic risk under the RCA policy. The amount is determined per case within the statutory liability limits.
Green Card / international coverage
Covered
The RCA policy serves as the Green Card for international travel. For passenger cars and light vans (up to 7.5t) it is valid in all EU/EEA states, Switzerland, and additionally in Albania, Andorra, Bosnia & Herzegovina, Morocco, Moldova, North Macedonia, Montenegro, Serbia, Tunisia, Turkey, and Ukraine. For other vehicle categories the territorial scope is limited to EU/EEA and Switzerland.
Roadside assistance
Excluded
Roadside assistance is not listed as a covered risk in the Generali RCA PID or product page. The policy covers transport of the damaged third-party vehicle as part of property damage but does not include a standalone roadside assistance service.
Driver accident coverage (Benefit / Benefit Plus)
RON 10,000 – RON 20,000
Optional add-on covering the policyholder's driver in case of death or permanent invalidity resulting from a road accident. Available in two packages: Benefit (10,000 RON for death or invalidity) and Benefit Plus (20,000 RON, double the Benefit amounts). Both packages carry the same territorial scope and validity period as the main RCA contract.
Passenger accident coverage
Excluded
The optional persons-accident rider (Benefit / Benefit Plus) is explicitly described as covering the driver only; passenger accident coverage is not offered as part of the Generali RCA product or its optional riders.
Key conditions
Territorial scope
For passenger cars and light commercial vehicles up to 7.5t GVW: valid in Romania, all EU member states, EEA countries (Norway, Liechtenstein, Iceland), Switzerland, and the following non-EU Green Card countries: Albania, Andorra, Bosnia & Herzegovina, Morocco, Moldova, North Macedonia, Montenegro, Serbia, Tunisia, Turkey, Ukraine. For all other vehicle categories: valid in Romania, EU member states, EEA countries, and Switzerland only. Vehicles registered in other states are not covered.
Green card rules
The RCA policy issued by Generali Romania automatically constitutes the Green Card document for travel in the covered territories listed above. The insurer must have a claims representative in each covered state. Vehicles registered outside Romania may not use this policy for coverage within Romania.
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.
Policy specifics
Direct settlement clause
Optional rider allowing the non-culpable party to claim repairs through their own RCA insurer rather than the at-fault party's insurer
SourceDriver accident coverage (Benefit and Benefit Plus packages)
Optional coverage for driver death or injury resulting from road accidents, with two package options offering different benefit levels
SourceTerritorial coverage
RCA insurance is valid in Romania, EU member states, EEA countries (Norway, Liechtenstein, Iceland), and countries that directly connect two EU member states
SourceBonus-Malus classification system
Premium adjustment system based on driving history and claims; classification carried forward from previous RCA policies or established for new policyholders
SourcePolicy duration and renewal
RCA policies are concluded for fixed terms: 1-12 months in monthly multiples for vehicles registered in Romania; minimum 1 month, maximum 12 months for import/export purposes
SourceClaims notification requirement
Policyholder must notify the RCA insurer of an insured event within 5 working days of occurrence; amicable accident report can be filed when conditions are met
Source