Omniasig
OMNIASIG is a motor third-party liability insurance for the RO market with online purchase and 24/7 assistance.
Direct payment
The insured can optionally purchase the 'Direct Settlement' (Decontare directa) clause, which allows the injured party to claim directly from OMNIASIG under cumulative legal conditions: the accident occurred in Romania, both vehicles are registered in Romania, damages are exclusively material (no bodily injury), and both vehicles have valid RCA at the event date.
Geographic scope
RO
Valid on Romanian territory and in all Green Card system member states, except Albania, Azerbaijan, Belarus, Iran, Morocco, Moldova, Macedonia, Russia, Tunisia, Turkey, Ukraine (for all vehicles). For freight/passenger transport vehicles and (semi-)trailers, additional exclusions apply: Bosnia and Herzegovina, Israel, Montenegro.
Unique selling points
- Compensation limits of up to 6,070,000 EUR for bodily injury/death and 1,220,000 EUR for property damage per accident, applying the higher of Romanian or host-country legal minimums abroad.
- Optional Direct Settlement (Decontare directa) clause allows policyholders to claim directly on their own OMNIASIG RCA policy without dealing with the at-fault party's insurer.
- 24/7 claims notification available at 021.9669 (Romania) or 021.777.9669 (abroad), with a wide national network of OMNIASIG and partner damage assessment centres.
- 15% premium discount available for policyholders who complete a defensive driving course with Academia Titi Aur (ATA), applied instantly at policy issuance on 12-month RCA policies.
- Part of Vienna Insurance Group, the leading insurer in Central and Eastern Europe, providing financial stability and extensive claims expertise across 25 countries.
Coverage limits
Bodily injury and death liability
Covered
Covers bodily injuries, death, and non-patrimonial damages (moral damages) caused to third parties by the insured vehicle. The maximum compensation limit is 6,070,000 EUR per accident, or the level imposed by the legislation of the member state where the accident occurred if that is higher.
SourceProperty damage liability
Covered
Covers damage to third-party vehicles and other property, including loss of use of the damaged vehicle and transport costs to the nearest assessment centre or repair workshop. The maximum compensation limit is 1,220,000 EUR per accident, or the level imposed by the legislation of the member state where the accident occurred if that is higher.
SourceLegal defence costs
Covered
Court and legal costs incurred by the injured party are covered within the overall compensation limits of the RCA policy.
SourceGreen Card (international motor insurance certificate)
Covered
The RCA policy includes Green Card coverage valid in all member states of the Green Card system, except Albania, Azerbaijan, Belarus, Iran, Morocco, Moldova, Macedonia, Russia, Tunisia, Turkey, and Ukraine. For freight/passenger transport vehicles and semi-trailers, additional country exclusions apply including Bosnia and Herzegovina, Israel, and Montenegro.
SourceRoadside assistance
Excluded
Roadside assistance is not included in the standard RCA policy. It is available as a separate product (e.g., OMNIASIG Asistenta Rutiera) or as part of CASCO products.
SourceDriver accident cover
Excluded
The RCA policy does not cover injuries sustained by the driver at fault. Coverage for the at-fault driver requires a separate accident insurance policy (e.g., Persoane aflate in autovehicule).
SourcePassenger accident cover (third-party)
Covered
Bodily injuries and death of passengers are covered under the RCA policy as third-party bodily injury liability, up to the 6,070,000 EUR limit per accident, as long as the passengers are third parties (not the insured driver at fault).
SourceKey conditions
territorial_scope
The insurance is valid on Romanian territory and in all Green Card system member states, except Albania, Azerbaijan, Belarus, Iran, Morocco, Moldova, Macedonia, Russia, Tunisia, Turkey, and Ukraine. For freight/passenger transport vehicles and semi-trailers, additional exclusions apply: Bosnia and Herzegovina, Israel, and Montenegro. In all covered countries, the higher of the Romanian policy limit or the host country's legal minimum applies.
green_card_rules
The Green Card is included in the RCA policy and provides proof of insurance for international travel within the Green Card system. Coverage is subject to the territorial exclusions listed above. For vehicles temporarily authorized for circulation or temporarily registered, the insurance period cannot exceed 30 days.
driver_restrictions
There are no specific driver age restrictions stated in the policy documents. For vehicles previously registered abroad to be permanently registered in Romania, proof of fiscal registration in Romania is required before the RCA contract can be concluded.
claim_notification_deadline
The insured must notify OMNIASIG within 5 business days of the insured event. Claims can be reported 24/7 by calling 021.9669 (domestic) or 021.777.9669 (from abroad). The call centre schedule is Monday-Friday 08:00-20:00, Saturday-Sunday 09:00-17:30; outside these hours a message can be left and the team will call back the next morning.
bonus_malus_rules
The Bonus-Malus system is mandatory for all RCA insurers in Romania under Law 132/2017 and ASF Norm 20/2017. It consists of 17 classes: base class B0, 8 bonus classes (B1-B8) with up to 50% premium reduction, and 8 malus classes (M1-M8) with up to 180% premium surcharge. For each claim-free year the insured advances one class; each paid claim results in a two-class penalty. For natural persons, the same B/M class applies to all vehicles owned. For legal persons, B/M is calculated separately per vehicle.
Where to buy
Policy specifics
Direct Settlement
Optional clause allowing injured third parties to claim directly from OmniAsig under specific cumulative legal conditions when the insured is not at fault
Material damages
Coverage for material damages to third-party vehicles and property caused by the insured's vehicle, including loss of use and legal costs
Bodily injury and death
Coverage for bodily injuries, death, and moral damages caused to third parties through the insured vehicle's involvement in accidents
Coverage territory
Insurance valid on Romanian territory and Green Card system countries, with specific exclusions for certain countries for goods/passenger transport vehicles
Contract validity period
RCA policy can be concluded for periods of 1 month, 6 months, or 12 months as multiples of one month at policyholder's choice
Contract termination notice
Policyholder can terminate RCA contract with 20 calendar days' notice if disagreeing with premium modifications notified by insurer
Claims notification
Insured must notify OmniAsig of any insured event within 5 business days and take all reasonable measures to limit damage