Reviewed from source documents

OMNIASIG Vienna Insurance Group S.A.

OMNIASIG

OMNIASIG is a motor third-party liability insurance for the Romania market with online purchase and 24/7 assistance.

Last verified Aug 12, 2026Reviewed by: Boleron EUUnderwritten by: OMNIASIG Vienna Insurance Group S.A.
Online purchase24/7 helpline

Direct payment

Optional 'direct settlement' clause (decontare directă) allows the injured party to address OMNIASIG directly for damage management when cumulative legal conditions are met: accident occurred in Romania, both vehicles have valid RCA insurance, and damages are exclusively to vehicles (no bodily injury).

Geographic scope

Romania and Green Card system member states (with exclusions)

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.

Unique selling points

  • 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.
  • Flexible policy duration from 1 to 12 months in monthly increments, with installment payment options and fully online purchase and instant policy delivery via email.

Coverage limits

Bodily Injury and Death Liability

€6,070,000

Covers bodily injury or death of third parties caused by an insured vehicle accident, including non-patrimonial damages. Maximum indemnification limit: 6,070,000 EUR (equivalent to 31,926,210 RON) per accident event, or the limit imposed by the legislation of the member state where the accident occurred if higher.

Source

Property Damage Liability

€1,220,000

Covers damage to vehicles or other property belonging to injured third parties, including loss-of-use damages and transport of the damaged vehicle to the nearest assessment centre or repair unit. Maximum indemnification limit: 1,220,000 EUR per accident event, or the limit imposed by the legislation of the member state where the accident occurred if higher.

Source

Legal Defence / Court Costs

Covered

Court costs incurred by the injured party are covered as part of the RCA indemnification, in accordance with applicable legislation. No separate monetary limit stated beyond the overall liability caps.

Source

Green Card / International Motor Insurance Certificate

unlimited

The RCA policy extends coverage to Green Card system member states (with specified country exclusions). Coverage applies at the higher of the Romanian policy limits or the limits required by the legislation of the state where the accident occurred.

Source

Roadside Assistance (OMNIAsistență)

Optional

Optional roadside assistance service (OMNIAsistență) available as a separate add-on to the RCA policy. Services are available 24/7 and may include vehicle towing, on-site repair, and temporary vehicle replacement, depending on the selected package. Contact: 021.9669 (or +40.21.777.9669 from abroad).

Source

Driver Accident Insurance

Excluded

The RCA policy does not cover accidental injury or death of the at-fault driver (policyholder). The RCA covers only third-party liability. Separate accident insurance products are available from OMNIASIG.

Source

Passenger Accident / Bodily Injury

Conditional

Bodily injury or death of third-party passengers caused by the insured vehicle is covered under the bodily injury liability limit (6,070,000 EUR). Coverage applies only to passengers who are considered third parties (not the insured driver). Passengers of the insured vehicle who are injured by the fault of the insured driver are covered as injured third parties.

Source

Key conditions

Territorial scope

Coverage is valid on Romanian territory and on the territories of Green Card system member states, with the following exclusions for all vehicles: Albania, Azerbaijan, Belarus, Iran, Morocco, Moldova, North Macedonia, Russia, Tunisia, Turkey, Ukraine. For freight/passenger transport vehicles (including semi-trailers), Montenegro is additionally excluded. In covered states, the higher of Romanian policy limits or local statutory minimum limits applies.

Green card rules

The Green Card (international motor insurance certificate) is included with the RCA policy and extends liability coverage to Green Card member states (subject to country exclusions listed in territorial scope). Coverage in foreign countries applies at the higher of the Romanian policy indemnification limits or the limit imposed by the legislation of the state where the accident occurred.

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.

Where to buy

Request a Quote – Official OMNIASIG Website
RCA Product Page – OMNIASIG (Individuals)

Documents

IPID – RCA Product Information Document (PID cod: 10.02.02.F.015.0.C) – Standard Vehicles

IPID

Open

IPID – RCA Product Information Document (PID cod: 10.02.02.F.015.0.D) – Freight/Passenger Transport Vehicles

IPID

Open

Policy specifics

Direct Settlement

Optional clause allowing direct settlement of claims when specific cumulative conditions are met for accidents on Romanian territory

Source

OMNIAsistență - Road Assistance Service

Not established from the insurer's documents

Optional road assistance service that can include vehicle towing, roadside repair, and other emergency traffic services

SourceThird-party source, not the insurer's document

Indemnification Limits

Maximum indemnification amounts for bodily injury/death and material damages caused to third parties

Source

Policy Duration

Insurance contract is issued for periods between 1 and 12 months, in monthly increments

Source

Eligible Vehicles

Coverage applies to vehicles registered/listed in Romania including cars, trams, trolleybuses, mopeds, and certain self-propelled machinery

Source

Key Exclusions

Damages not covered include those caused exclusively by persons other than insured driver, damages to insured's own property, damages from loading/unloading dangerous goods

Source

Premium Payment Terms

Insurance premium must be paid in Romanian currency (LEI) by bank transfer or cash at policy conclusion

Source

Sources