Generali
Generali is a motor third-party liability insurance for the RO market with online purchase and limited assistance availability.
Direct payment
Damages are paid rapidly and directly to the repair service. Generali collaborates directly with authorised service centres so that the vehicle is repaired without the insured having to make advance payments.
Geographic scope
RO
For private passenger cars and light commercial vehicles (up to 7.5t MMA): Romania, Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Germany, Denmark, Spain, Estonia, France, Finland, Great Britain, Greece, Hungary, Croatia, Italy, Ireland, Iceland, Luxembourg, Lithuania, Latvia, Malta, Norway, Netherlands, Portugal, Poland, Sweden, Slovakia, Slovenia, Switzerland, Albania, Andorra, Bosnia & Herzegovina, Morocco, Moldova, Macedonia, Montenegro, Serbia, Tunisia, Turkey, Ukraine. For other vehicles: Romania and the core EU/EEA Green Card member states listed in the policy document.
Unique selling points
- Optional direct settlement clause lets you repair your vehicle through your own Generali RCA policy when not at fault, avoiding all contact with the at-fault driver's insurer.
- Damages are paid directly to the authorised repair service without advance payments from the insured, thanks to Generali's direct collaboration with its service network.
- Online damage notification with optional proximity-based partner service selection ensures the repair centre contacts the client within 24 hours of submitting the claim form.
- Optional driver personal accident add-on (Benefit / Benefit Plus) can be attached directly to the RCA policy, providing death, disability, surgical, and medical cost coverage of up to 20,000 RON.
- Policy available fully online with instant issuance and delivery by email, and the premium can be paid in up to 12 equal monthly instalments via partner banks for amounts above 600 RON.
Coverage limits
Third-Party Bodily Injury and Death Liability
Covered
Mandatory coverage for death or bodily injury caused to third parties, including moral damages. Minimum indemnity limit EUR 6,070,000 per event (previously expressed in EUR under Law 132/2017; converted to RON 31,926,210 under Law 181/2025). Covers all third parties regardless of the number of victims per event.
SourceThird-Party Property Damage Liability
Covered
Mandatory coverage for material damages caused to third parties, including vehicle restoration costs, loss-of-use damages (including temporary vehicle replacement), court costs, and transport costs for the damaged vehicle. Minimum indemnity limit EUR 1,220,000 per event (converted to RON 6,434,740 under Law 181/2025).
SourceLegal Defence / Court Costs
Covered
Court costs (cheltuieli de judecată) incurred by the injured third party are covered as a core risk within the statutory indemnity limits. No separate sublimit stated; covered within the overall property damage / bodily injury liability limits.
SourceGreen Card (International Motor Insurance Certificate)
Covered
The RCA policy issued by Generali Romania includes Green Card coverage. For private passenger cars and light commercial vehicles up to 7.5t MMA, the Green Card extends to all EU/EEA member states plus Albania, Andorra, Bosnia & Herzegovina, Morocco, Moldova, North Macedonia, Montenegro, Serbia, Tunisia, Turkey, and Ukraine. For other vehicle categories, coverage is limited to EU/EEA Green Card member states only.
SourceRoadside Assistance
Excluded
Roadside assistance is not included as a standard benefit in the Generali RCA (MTPL) policy. The ASIST PLUS roadside assistance product is available separately and is associated with CASCO policies, not RCA.
SourceDriver Personal Accident Coverage (Optional Add-on)
Optional
Optional personal accident coverage for the driver, available in two packages: Benefit (standard) and Benefit Plus (double sums insured). Coverage is identical in scope between packages but sums are doubled in Benefit Plus. Covers: death or permanent disability from a road traffic accident (10,000 RON – Benefit / 20,000 RON – Benefit Plus); surgical interventions (1,000 RON / 2,000 RON); medical expenses (1,000 RON / 2,000 RON). Valid for the same duration and territorial scope as the RCA policy.
SourcePassenger Personal Accident Coverage
Covered
The optional personal accident add-on described in the Generali RCA IPID and product pages is specifically limited to the driver (șofer). No separate passenger accident coverage is mentioned as available under the RCA product.
SourceKey conditions
territorial_scope
For private passenger cars and light commercial vehicles with MMA up to 7.5t: coverage applies in Romania, all EU/EEA Green Card member states, plus Albania, Andorra, Bosnia & Herzegovina, Morocco, Moldova, North Macedonia, Montenegro, Serbia, Tunisia, Turkey, and Ukraine. For all other vehicle types: coverage applies in Romania and EU/EEA Green Card member states only. Vehicles registered in other countries or without a valid Romanian registration certificate are excluded.
green_card_rules
The RCA policy serves as the Green Card (International Motor Insurance Certificate) for travel within the covered countries. From 1 July 2020, Green Card policies are printed on white paper (no longer green). The Green Card extends territorial coverage beyond the EU/EEA for private cars and light vans to include non-EU Green Card member states listed in the policy. The territorial scope of the optional driver accident add-on mirrors that of the base RCA contract.
driver_restrictions
There are no named-driver restrictions under Romanian MTPL law; any licensed driver operating the insured vehicle is covered as far as third-party liability is concerned. However, the insurer retains the right of subrogation (regres) against the driver if the accident was caused under the influence of alcohol or prohibited substances, without a valid driving licence, or in other circumstances provided by Law 132/2017. Vehicles registered in other states and vehicles without a valid Romanian registration are excluded from coverage.
claim_notification_deadline
The insured must notify the RCA insurer of the accident within 5 (five) working days of its occurrence. Additionally, the insured must notify the insurer within 5 days if: (a) the injured party has requested compensation from the insured; (b) criminal or administrative proceedings have been initiated against the insured in connection with the accident; (c) the injured party has filed a claim with a court or other authority; (d) information recorded in the RCA contract has changed during the contract period. Failure to notify within the prescribed deadline may affect claim settlement.
bonus_malus_rules
Romanian MTPL policies are subject to the national bonus-malus system administered through the AIDA database managed by ASF (Financial Supervisory Authority). Claims history affects future premium rates: drivers with no claims improve their class over time, while drivers with multiple claims are penalised with higher premiums. New drivers start at the base bonus-malus class. Records are maintained centrally and are available to all authorised insurers.
Where to buy
Documents
Document de informare privind produsul de asigurare RCA (ver.5 / 13.12.2025)
ipid
Document de informare privind produsul de asigurare RCA (ver.5 / April 2025)
ipid
Document de informare privind produsul de asigurare RCA (ver.4 / 13.10.2023)
ipid
Formular solicitare despăgubire / avizare daună RCA – vătămări corporale
other
Policy specifics
Direct Settlement Clause (Optional)
Optional clause allowing insured to be compensated by their own insurer in certain accidents instead of the responsible party's insurer
Driver Accident Coverage (Optional)
Optional personal accident coverage for the driver with two package options: Benefit (standard) and Benefit Plus (double coverage)
Third Party Bodily Injury and Death Coverage
Mandatory coverage for death or bodily injury caused to third parties, minimum coverage limit EUR 6,070,000
Third Party Property Damage Coverage
Mandatory coverage for property damage caused to third parties, minimum coverage limit EUR 1,220,000
Contract Duration Options
MTPL policies can be contracted for periods from 1 to 12 months, in monthly increments; special rules for vehicle imports and exports allow 30-day periods
Claims Notification Period
Insured must notify the insurer of an accident within 5 working days of occurrence; additional notifications required for claims, penalties, or legal proceedings
Bonus-Malus Classification System
Romanian MTPL market operates a bonus-malus system where claims history affects future premium rates; new drivers start at base class, improving with no-claim years
Freedom of Vehicle Repair Service Choice
Third parties damaged in accidents have the right to choose any repair service provider without limitation or influence from the insurer
Policy Suspension Right
MTPL contracts may be suspended upon insured's express request, providing flexibility for temporary non-use of vehicles