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Useful Information about RCA Car Insurance

What is an RCA auto insurance and why is it important?

RCA (Auto Civil Liability) insurance is a mandatory policy that covers damages caused by you to other people in a car accident. With RCA, you are not compensated—third parties harmed due to your fault are.

In other words, if you hit another car, the RCA auto insurance pays for the repairs to the damaged vehicle and any material damages or bodily injuries of the other traffic participants.

RCA is mandatory for all individuals or legal entities that own a vehicle registered in Romania. It must also be purchased by drivers traveling in Romania with a foreign-registered vehicle if that vehicle doesn’t already have a valid RCA insurance issued in its country of origin.

Not having a valid RCA policy leads to fines from 1000 to 2000 lei, suspension of the registration certificate and license plates, along with the obligation to pay compensations.

How to get cheap RCA insurance on troco.ro?

To quickly get cheap RCA insurance, follow these simple steps:

  1. Fill out the online form on troco.ro to generate the best RCA offers.
  2. Choose the RCA offer that suits you – whether you want the cheapest auto insurance or prefer a trusted insurer you've used before, you can find both on our site.
  3. Pay online by card or choose RCA in installments through tbi bank, directly from our platform.
  4. Receive the RCA policy by email within moments, right after payment confirmation.

That’s it! You now have a valid RCA insurance policy, which you can print or keep in electronic format. It’s just as valid as the printed version and can be shown during any routine check.

How to check RCA insurance online?

The question “How to check RCA online?” can mean two different things:

  • either you want to quickly check which of your cars are insured
  • or you want to find out how much an auto insurance costs right now.

On troco.ro, you have quick solutions for both situations.


Check auto insurance online: how to quickly find out if your policy is valid

If you already have an RCA insurance and want to make sure it is active and correctly registered, you can check it online for free on the website www.aida.info.ro. You only need:

  • the car’s registration number, or
  • the VIN (chassis number).

The system will instantly display information about the validity of the RCA policy, coverage period, and the insurer who issued it.

RCA price check – Find cheap RCA quickly and easily.

If you intend to take out an RCA policy online and want to see what rates are available for your car, you can make a quick RCA price check directly on troco.ro.

All you have to do is:

  • fill out the form with vehicle and driver details,
  • and in a few seconds you’ll receive an updated list with the best RCA offers from all insurers in Romania.

What affects the price of car insurance in 2025?

In 2025, the price of car insurance can vary significantly depending on the type of vehicle and driver profile. Here's an overview:
For individuals, RCA rates start at around 800–1000 lei/year, and the average price of an RCA auto insurance in 2024 was 1,214 lei. However, the cost can exceed 2,000 lei/year depending on:
  • driver’s age – younger drivers (under 30) generally pay more;
  • bonus-malus class – drivers without recent damage history receive discounts (bonus), while those with damages are penalized (malus);
  • vehicle type – engine size and year of manufacture affect the rate; the more powerful the engine, the more expensive the insurance;
  • registration area – regions with higher road risks (e.g., crowded cities) may have higher RCA prices.
Compare offers on our website and get insured online from the comfort of your home.

What you need to know before buying car insurance online.

Before buying car insurance online, it’s important to know a few essential details about the vehicle's registration status, so the process is fast, accurate, and legally valid. Here's what to look out for:

The registration status determines what type of RCA policy you can get and for how long it can be valid:

  • If the car is not registered in Romania (e.g., you need RCA for red license plates), you can get online insurance valid for up to 3 months, required for registration.
  • If it's a property transfer (based on a sale-purchase contract) and the car is already registered in Romania, you still need RCA for registration. However, unlike RCA for red plates, this can be valid from 1 to 12 months. After finalizing the transfer, the license plate number is added to the policy.
  • If the car is already registered in your name, you just need to accurately fill in the vehicle registration data, and you’ll instantly receive online car insurance.

Important: Regardless of the registration status, when using an RCA calculator, you’ll receive RCA price offers for 1 month, 6 months, and 12 months. It's your choice to pick the period that suits your situation.

On troco.ro, you don't have to worry about making mistakes. If you select the “RCA for registration” option in the form, before issuing the RCA insurance, one of our team members will verify the correctness of the entered data by comparing them with the documents you uploaded in your request.

How safe is it to buy car insurance online from troco.ro?

Buying car insurance online through troco.ro is a 100% safe process, thanks to advanced data protection measures implemented on the platform. Here’s what this means in technical terms:

  1. Infrastructure-level security
    • All data transmitted through the online form is encrypted using SSL (Secure Socket Layer) with a valid HTTPS certificate, meaning the information is transmitted in a format that cannot be intercepted by third parties, ensuring secure and fast insurance calculations.
    • Our servers are hosted in data centers that comply with ISO/IEC 27001 security standards, with automatic backup and constant monitoring.
  2. Secure payment processing for online car insurance
    • Online payments are handled through PCI DSS-certified processors, which fully encrypt card data and do not allow access to any third party (not even troco.ro has access).
  3. Automatic and verified issuance of RCA policies online
    • The RCA policy issued online is automatically generated through the insurer’s API and delivered in real-time by email in a secure PDF format.
    • Before issuing, a troco.ro operator manually checks the uploaded documents to prevent errors or incorrect data in registration-related insurance policies.

Frequently Asked Questions about Car Insurance

What is an RCA car insurance?
What is the difference between buying car insurance online and from an insurance agency?
For how long can an RCA policy be issued online?
How do I find the cheapest car insurance?
Why should I use an RCA calculator?
What does car insurance cover?
In which countries is RCA insurance valid?
How can I get cheap one-month RCA insurance?
Can I calculate RCA without CNP, is there a calculator without personal data?