Calculate RCA for Registration

To calculate and issue the policy you need: the vehicle registration certificate (CIV) or the document showing the chassis number (VIN), proof of ownership (invoice or sales contract), and the owner's identification details (ID for individuals, VAT number for companies). On troco.ro, you fill in the details in the form and upload the documents, and an operator verifies them before issuance, so you avoid errors in the file.

Validity depends on the vehicle's situation. For a vehicle already registered in Romania and transferred to your name, RCA for registration can be issued for 1–12 months, like any standard policy. For an unregistered vehicle driving with red plates, the policy is issued in 30-day installments, maximum 90 days cumulative, according to Law 132/2017. When using the calculator, you receive offers for 1, 6, and 12 months and choose the appropriate duration.

The price starts at approximately 200 lei for 30 days and around 950 lei for 12 months, depending on the vehicle and driver profile. The rate increases with engine power, driver age (drivers under 30 pay more), bonus-malus class, and registration area (Bucharest and Ilfov have higher rates). Prices are indicative; on troco.ro you compare all insurers' offers in real time and choose the lowest.

The policy remains valid even after registration, because it is linked to the chassis number (VIN), not the license plate number. You don't need to buy a new policy. The only step is to notify the insurer with the new registration certificate, and the plate number is added to the policy free of charge. This way you avoid any interruption in RCA coverage.

Enter the chassis number (VIN) and vehicle details in the calculator, compare offers from all insurers, choose the duration (1–12 months), and pay online by card or in installments through TBI Bank. Upload the documents, and a troco.ro operator verifies them before issuance. You receive the policy by email within minutes, in PDF format, legally valid for any check and at the registration office.