Compare Car Insurance in Romania

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What is car insurance in Romania?

Car insurance in Romania has two forms. RCA (asigurarea de răspundere civilă auto) is compulsory third-party liability that covers damage you cause to other people and their vehicles; every car on public roads must have it. CASCO is optional comprehensive cover that pays for damage to your own vehicle, including accidents, theft, fire and weather. Most drivers hold RCA by law and add CASCO for newer or financed cars.

How the Romanian market works

Motor insurance is regulated by the Autoritatea de Supraveghere Financiară (ASF). RCA is mandatory and priced by a tariff influenced by your bonus-malus class, vehicle, region and driver profile; the price is standardised in structure but varies by insurer. CASCO is freely priced and negotiated. RCA policies are recorded in a central database (AIDA/CEDAM) so police and authorities can verify cover instantly. Claims for RCA can be handled directly with your own insurer under decontare directă.

Benefits

Legal compliance — RCA is compulsory, so holding it keeps you road-legal and avoids fines and impounding.

Third-party protection — RCA pays for injury and damage you cause to others, up to high statutory limits.

Own-damage cover — CASCO repairs your own car after accidents, theft, fire or hail.

Bonus-malus rewards — years without claims lower your RCA premium through the bonus system.

Direct settlement — decontare directă lets you claim RCA damage straight from your own insurer for a faster process.

How to choose

For RCA, compare insurers on price for your bonus-malus class and on claims service and financial strength, since the cover limits themselves are set by law. For CASCO, weigh the premium against the excess (franşiza), what perils are included, whether repairs use authorised or any workshop, and the vehicle's value. Newer, financed or expensive cars usually justify CASCO; older cars may not. Check whether direct-settlement claims handling is offered.

Leading providers in Romania

Allianz-Ţiriac, Omniasig, Generali Romania and Groupama Romania are among the leading motor insurers for both RCA and CASCO, with wide branch and broker networks. Omniasig and Allianz-Ţiriac are prominent RCA and CASCO underwriters. Because RCA prices differ between insurers despite the regulated structure, and because past market exits have affected drivers, comparing several established insurers on price and financial strength is worthwhile.

What it costs

RCA premiums in Romania depend on your bonus-malus class, the vehicle, your age and where you live, and are quoted per policy after these factors; younger drivers and high-power cars pay more. CASCO is priced on the car's value, age and chosen excess. Because both are individualised, request quotes for your exact vehicle and profile rather than relying on an average figure, and remember that a clean claims history steadily lowers your RCA price through the bonus-malus system.

Protections and regulation

Motor insurance is supervised by ASF, which sets RCA rules, monitors insurer solvency and oversees the guarantee fund. The Fondul de Garantare a Asiguraţilor protects policyholders if an insurer becomes insolvent, and a separate guarantee fund covers victims of uninsured or unidentified vehicles. Cover is verified in the national database. Complaints go to the insurer, then to ASF or the insurance mediation channels, with ANPC for consumer issues.

Common questions

Is RCA mandatory? Yes; every vehicle on public roads must have valid RCA or face fines and impounding.

Do I need CASCO too? It is optional but recommended for newer, financed or high-value cars.

What is bonus-malus? A system that lowers your RCA premium after claim-free years and raises it after claims.

Can I pay RCA in instalments? Many insurers allow the premium to be split into instalments rather than paid in full upfront.

Car Insurance in Romania — FAQ