Bonus-Malus class verification

Bonus-Malus check by CNP

A bonus-malus lookup by CNP on troco.ro is fast, free, and does not require an account or extra data. Enter your CNP, click “Check Bonus-Malus Class,” and the system automatically queries the official AIDA database. In a few seconds you get the full result: your current class (B0–B8 or M1–M8), the percentage discount or surcharge that applies, and a short explanation of what that class means. After the check you can go straight to the RCA Calculator to see updated RCA prices from every insurer based on the class the system just identified.

How the bonus-malus lookup by CNP works:

1. You enter your CNP.
2. You click the “Check” button.
3. The system queries AIDA for you.
4. You instantly receive the Bonus-Malus class, the discount/surcharge level, and the associated explanation.

Bonus-Malus class – what it is and how it changes your RCA price

Bonus-Malus classes are part of the national system that adjusts RCA premiums based on your driving history. No paid claims during the reference period means “Bonus” — progressively larger discounts on the RCA price. Paid claims mean “Malus” — surcharges on the premium.

The Bonus-Malus system includes:

• B0 – the base class, no discount or penalty
• B1 – B8 – Bonus classes, with increasingly higher discounts
• M1 – M8 – Malus classes, with progressively higher surcharges

For individuals, the RCA Bonus-Malus class is linked to the CNP and stays the same for every vehicle you own. For companies, the class is tied to each vehicle (CUI + VIN), so different cars can have different classes.

The RCA Bonus-Malus class has a major influence on the final policy price. Two identical RCAs at the same insurer can have completely different prices simply because their owners have different classes. Defensive driving and claim-free years can therefore cut your RCA costs significantly over time.

Bonus-Malus table – how much you really save on RCA by driving carefully

The tables below show exactly how the RCA price changes with your driving behavior. If you stay claim-free, you rise one class every year and the discount grows. At the top class, B8, you can reach a –50% reduction off the base tariff. If you do have claims, the class can drop several levels and the penalty can climb to +80% in class M8.

Bonus-Malus table – discounts applied in Bonus classes (B0–B8)

Bonus-Malus table – surcharges applied in Malus classes (M1–M8)

These tables show exactly how the final RCA premium changes with your Bonus-Malus class. The example assumes a base premium of 1,000 lei so you can clearly see how much you save if you drive claim-free, or how much the price can increase if you have RCA-paid claims. Bonus classes deliver progressive discounts up to –50% at B8, while Malus classes can raise the premium by up to +80% at M8. These percentages are identical across all insurers because they follow the national Bonus-Malus system.

The rules apply to every insurer automatically, regardless of the company that underwrites your RCA.

So the conclusion is simple: the more cautiously you drive and the more you avoid claims, the more you save on RCA — often hundreds of lei per year. Use the checker at the top of this page whenever you want to confirm your exact class.

Bonus-Malus class B8 = the largest possible discount

Bonus-Malus class B8 is the highest bonus level a driver can reach and is the reward for many consecutive years without RCA-paid claims. If your lookup shows class B8, it means you have driven carefully and responsibly for a long time.

What advantages does class B8 offer?

• A –50% discount versus the standard RCA price
• The best RCA price at any insurer
• A major advantage if you own higher-displacement vehicles or have a high base premium
• Consistent savings every year you keep class B8

No matter which company issues the policy, Bonus-Malus legislation applies the same way everywhere, so class B8 unlocks the same maximum discount at any insurer. Drivers who maintain this class for many years stack up very large savings.

When is the Bonus-Malus class updated?

The Bonus-Malus class is updated once per year, when a new RCA policy is issued. The assessment is based on the “reference period,” meaning the calendar year prior to the policy start date. For example, for a policy issued in 2026, the system reviews claims paid in 2025. Regardless of whether your policy lasts one month, six months, or a full year, the class determined at issuance stays unchanged for the entire calendar year in which the policy remains in force.

Bonus-Malus recovery after claims – how to get to a better class again

If you had an accident that led to a payout from your RCA policy, the Bonus-Malus system automatically drops your class at the next renewal. Every insurer in Romania follows the same mechanism, based on two simple rules:

• Each claim = –2 classes
• Each claim-free year = +1 class

So if you reported a claim during the previous year, you go down two levels in the system, and in the following years you climb back up one level for every year with no paid events.

How do you practically return to a better class?

The process is automatic and takes place at every RCA renewal:

1 claim → minus 2 classes, so you need 2 claim-free years to get back to your original level

2 claims → minus 4 classes, so you need 4 claim-free years to return where you started

If you are in Malus (M1–M8) → you climb 1 class per year until you reach B0 again, then keep moving into the Bonus range (B1–B8)

It’s a predictable process: every claim-free year offsets one level lost earlier.

A quick, easy example

Let’s say you dropped to M4 after a claim.

If you remain claim-free over the next few years, you’ll move like this:

M4 → M3 → M2 → M1 → B0 → B1 → B2…

In four years you return to the neutral level (B0), and after that you begin collecting Bonus classes again.

Important!

There’s no way to “delete” Malus classes instantly.

The only solution is to drive without claims, and the system will automatically improve your class with each renewal.

The Bonus-Malus class is only one of the factors that determines the final cost of an RCA policy. To understand the price fully, it helps to consult the RCA Reference Table — troco.ro’s tool that lists the base tariffs from the ASF for every vehicle category and risk factor. Bonus discounts or Malus surcharges are always added on top of those tariffs, so reviewing both elements gives you the most accurate view of your RCA cost.

FAQ – Common questions about the RCA Bonus-Malus class

1. What is the Bonus-Malus class?

It’s a national system that reduces your RCA premium if you have no claims and increases it if you do. Classes run from B1 to B8 for Bonus and from M1 to M8 for Malus.

2. What does Bonus-Malus mean for RCA?

It’s the mechanism that ties your claims history directly to the final RCA price. No claims → Bonus (discount). Claims → Malus (surcharge).

3. How do I check my Bonus-Malus class by CNP?

Simply enter your CNP in the form on troco.ro and click “Check Bonus-Malus Class.” The system automatically queries the AIDA database and shows the exact class assigned for your next RCA policy.

4. Where can I see my Bonus-Malus class?

You can view it online directly on the troco.ro check page. After you enter your CNP, the system instantly shows your class and its impact on the final RCA price.

5. How does the Bonus-Malus check work?

It’s an automated lookup in the national AIDA database. You enter your CNP, the system checks your claims history, and it returns the relevant class together with the discount or surcharge percentage.

6. How do I find out which Bonus-Malus class I’m in?

Go to troco.ro, enter your CNP, and confirm the check. Within seconds you’ll see whether you’re in a B or M class and how that affects your RCA price.

7. What does Bonus-Malus mean for individuals?

For individuals the class is linked to the CNP and applies to every vehicle they own, no matter how many cars there are.

8. What are the Bonus-Malus classes in Romania?

The Romanian system has 17 levels: B0 is the neutral base. B1–B8 are Bonus classes with discounts that increase up to roughly –50% at B8. M1–M8 are Malus classes for drivers with paid claims, and surcharges can reach +80% at M8.

These classes are defined by ASF regulations and are used identically by all insurers through the national AIDA database.

9. How do I quickly check my Bonus-Malus class?

The fastest way is to verify it online on troco.ro — it only takes a few seconds and doesn’t require an account.

10. What does Bonus-Malus B8 mean?

It’s the highest Bonus class and grants roughly a –50% reduction off the standard RCA price.

11. What is the Bonus-Malus B8 class?

It’s the reward for many consecutive years without claims. It’s the best possible class and gives you the lowest RCA price at any insurer.

12. What Bonus-Malus classes exist in Romania?

B0 (neutral), B1–B8 (Bonus), and M1–M8 (Malus). They apply to all insurers in line with the national AIDA system.

13. How do you recover a better Bonus-Malus class?

Each claim drops you by 2 levels, and each claim-free year raises you by 1 level. Recovery is automatic and happens at every renewal.

14. How do I run an online Bonus-Malus check?

Visit the dedicated page on troco.ro, enter your CNP, and click the verify button. The platform communicates with AIDA in real time and instantly shows your current class, valid at every insurer.

15. What does “Bonus-Malus class check” mean?

It’s the process of retrieving your current class by querying the AIDA database. You need it to know the correct RCA price.