Hellas Direct Motor third-party liability (Rca Standard)
Underwritten by HD Insurance PLC · Romania
motor third-party liability insurance from Hellas Direct for the Romania market, with online purchase.
Last verified Aug 12, 2026Sources
Unique selling points
Flexible policy duration from 1 to 12 months, available to both individuals and legal entities.
FlexiPay allows splitting the RCA premium into 12 monthly instalments paid via debit card, with no credit check required.
Optional direct settlement clause enables the insured to receive compensation from their own insurer, simplifying the claims process after accidents involving two Romanian-registered vehicles.
European-licensed insurer (HD Insurance PLC, Cyprus) operating under EU Freedom of Establishment, subject to EU insurance regulation standards.
Coverage limits
Bodily Injury Liability
€6.1M
Covers compensation for physical injuries, disabilities or deaths caused to third parties in a road accident, including related moral damages. The maximum compensation limit in Romania is 6,070,000 EUR per accident, regardless of the number of injured parties.
Section: Planurile noastre > Asigurare Auto
Acoperă compensațiile pentru vătămări fizice, dizabilități sau decese cauzate terților într-un accident rutier, inclusiv daune morale aferente.
Property Damage Liability
€1.2M
Covers material damages caused to third parties, including vehicle repair costs, total loss, deregistration costs and emergency expenses. The maximum compensation limit in Romania is 1,220,000 EUR per accident, regardless of the number of claimants.
Section: Planurile noastre > Asigurare Auto
Oferă acoperire pentru daune materiale cauzate terților, inclusiv costuri de reparație, daune totale, radiere și cheltuieli de urgență.
Legal Defence
No limit stated
Legal defence coverage is not mentioned as a component of the Hellas Direct RCA product in any of the official sources reviewed.
Green Card (International Motor Insurance Certificate)
Covered
No limit stated
The RCA policy issued by Hellas Direct also functions as the Green Card (Carte Verde), covering third-party bodily injury and material damage claims. Accidents outside Romania must be reported to [email protected], and compensation limits for such accidents are set according to local legislation.
Section: Planurile noastre
Asigurarea RCA (Carte Verde) acoperă vătămările corporale și daunele materiale ale terților în accidente.
Roadside Assistance
Optional
Hellas Direct's available documents do not describe a separate roadside assistance product, nor any bundling with Revolut or coverage in Bulgaria; FlexiPay is described only as a way to split the RCA premium into 12 instalments paid via debit card, without a credit check.
Driver Accident Coverage
Excluded
RCA covers only damages caused to third parties; the at-fault driver's own injuries or damages are not covered under this policy. A separate personal accident policy would be required.
Passenger Accident Coverage
Conditional
Passengers of the at-fault vehicle who are injured in an accident may be compensated as third parties under the RCA policy, provided they are not the policyholder or a person excluded under law. Coverage is conditional on the passengers being considered third-party claimants under Romanian law.
Key conditions
Driver restrictions
Coverage may be void for accidents caused by a driver without a valid driving licence, or a driver under the influence of alcohol or illegal substances. Policies for high-risk drivers (BAAR) follow specific ASF guidelines effective from 10 February 2023 and exclude optional clauses such as direct settlement.
Claim notification deadline
Events must be reported to Hellas Direct promptly. The insured must notify the insurer within 5 business days of becoming aware of the loss. For total loss, notification must occur within 24 hours of the event. The insurer must notify the injured party within 5 working days of opening the claim file and must issue a final response within 30 days of receiving complete documentation.
Bonus-malus rules
Premiums are set according to ASF guidelines, taking into account vehicle age, specifications, contract duration, and bonus-malus adjustments for individuals and companies.
SourceSection: Asigurare RCA > Informații despre polița de asigurare RCA
Prețurile sunt stabilite conform ghidurilor ASF, ținând cont de factori precum vârsta, specificațiile vehiculului, durata contractului și ajustările bonus-malus pentru persoane fizice și companii.
Territorial scope
The RCA policy functions as a Green Card. Accidents occurring outside Romania must be reported to [email protected], and compensation limits for such accidents are set according to local legislation.
Documents
Policy specifics
Direct Settlement Clause
Optional additional clause allowing the injured party to receive compensation directly from the insurer where the injured person concluded the RCA policy, subject to specific conditions
SourceSection: Planurile noastre > Asigurare Auto
Oferă asiguratului opțiunea de a fi despăgubit de propriul asigurător pentru anumite accidente, cu condiția respectării unor criterii (de ex., ambele vehicule înmatriculate în România, fără vătămări corporale).
Compensation Limits
Maximum amounts set by ASF (Romanian Financial Supervisory Authority) for motor third party liability coverage in Romania
SourceSection: Polițe de asigurare cu risc ridicat
Limitele de despăgubire în România sunt de 1.220.000 EUR pentru daune materiale și 6.070.000 EUR pentru vătămări corporale sau deces, iar limitele aplicabile în accidentele externe sunt stabilite conform legislației locale.
FlexiPay Installment Plan
Optional installment payment arrangement allowing annual RCA premium to be split into 12 monthly installments without requiring a loan or credit check
SourceSection: FlexiPay: 12 tranșe fără card de credit
Împarte costul asigurării direct pe cardul tău de debit. Simplu, fără bătăi de cap.
BAAR High-Risk Driver Policies
Special RCA policies for drivers classified as high-risk according to ASF guidelines, effective from February 10, 2023
SourceSection: Planurile noastre
Polițele de asigurare cu risc ridicat BAAR, valabile din 10.02.2023, respectă noile directive ASF pentru persoanele asigurate cu risc ridicat.
Policy Duration Flexibility
RCA policy can be purchased for periods ranging from 1 to 12 months by individuals or legal entities
SourceSection: Planurile noastre > Asigurare RCA
Poți achiziționa asigurarea RCA ca persoană fizică sau juridică, pentru o perioadă de 1 până la 12 luni.
Claim Notification Timeline
Event must be reported to Hellas Direct within specified timeframes for valid claim processing
SourceSources
Hellas Direct Motor third-party liability