OMNIASIG Motor third-party liability (Rca)

Coverage limits automatically apply at the higher of Romanian statutory minimums (6,070,000 EUR bodily injury / 1,220,000 EUR property damage) or the limits mandated by the law of the country where an accident occurs within the Green Card zone.

Optional direct settlement clause (decontare directă) allows injured policyholders to resolve vehicle damage claims directly with OMNIASIG without involving the at-fault party's insurer.

24/7 OMNIAsistență roadside assistance service available as an optional add-on, providing towing, on-site repair, and temporary vehicle replacement accessible via a dedicated phone line.

Part of Vienna Insurance Group, one of Central and Eastern Europe's largest insurance groups, providing financial stability and FGA (Insurance Guarantee Fund) protection for policyholders.

Driver restrictions

No specific driver age restriction stated in the PIDs. The policy covers the registered vehicle owner/user. For vehicles registered in other states to be permanently registered in Romania, proof of fiscal registration in Romania is required. For provisionally authorized vehicles, maximum coverage period is 30 days (cumulated up to 90 days per PID D). For export vehicles, maximum 30 days.

Claim notification deadline

The insured must notify OMNIASIG within 5 working days from the date of the insured event. The insured must also provide the injured party, upon request, with the information necessary for formulating compensation claims.

Bonus-malus rules

The bonus-malus system is regulated by ASF Norm 20/2017 and Law 132/2017. Policyholders with no paid claims in the reference period receive a bonus (premium reduction). For each event for which compensation was paid, a malus of two classes is applied (premium increase). The bonus-malus class is maintained for the entire calendar year in which the RCA contract is concluded, regardless of the insured period. The reference period covers the last 3 calendar years prior to the RCA purchase date.

Territorial scope

Valid in Romania and Green Card member states, excluding: Albania, Azerbaijan, Belarus, Iran, Morocco, Moldova, North Macedonia, Russia, Tunisia, Turkey, Ukraine. For freight/passenger transport vehicles (including semi-trailers), Montenegro is additionally excluded.