What RCA verification means and what it's used for
An RCA verification represents a query to the AIDA national database, the system that centralizes all active RCA policies in Romania. This online RCA verification is the only official way to confirm the existence and validity of an RCA insurance, beyond the documents presented by a driver.
You can find out if a car is insured on the desired date, which insurer issued the policy, and when it expires. It is essential in situations such as road accidents, traffic checks, or purchasing a second-hand car.
Where to perform an auto insurance verification
RCA verification is done exclusively in the AIDA system – Insurance Data History Administration. The platform is managed by BAAR (Romanian Motor Insurers' Bureau) and is legally recognized as an official source
Access for RCA verification is public, free, and available at any time through the official AIDA website. The displayed data is also used by the Traffic Police and other authorities, which is why it represents the real reference regarding the existence of an RCA insurance.
Concrete steps to follow for auto insurance verification
1. Access the official AIDA platform
Go to the page dedicated to RCA policy verification. Make sure you use an official source, not third-party sites that may display incomplete or incorrect data, you can access their site by clicking here.
2. Enter the vehicle data
For auto insurance verification, you can use the registration number or VIN series. The VIN is especially necessary for recently registered cars or those with changed numbers.
3. Select the date for RCA verification
Choosing the date is essential. The system checks the policy validity on the selected date, not automatically "today", which can completely change the displayed result.
4. Check RCA policy verification results
You will see the insurer, the validity period, and its status. This information confirms whether the RCA is active or not.
RCA verification - what data is needed
For a correct RCA verification, you need minimal but precise information. Most frequently, the vehicle's registration number is sufficient.
In certain situations, such as recent number changes or vehicle import, the VIN series is necessary. Without this data, verification cannot be performed in the official system.
Real practical situations where online RCA verification is necessary
A common example when RCA verification must be performed is purchasing a second-hand car. Many buyers rely on the policy presented by the seller, without performing a real RCA verification in AIDA. The result can be discovering an expired or non-existent policy.
Another common case appears after issuing a new policy. In the first days, it may not appear immediately in AIDA, as there is an update delay of up to a few days. Therefore, verification must be done correctly and at the right time.
Important limitations and warnings for online RCA verification
The AIDA system is updated daily, but newly issued policies may appear with a delay of 1–5 days. This does not automatically mean the insurance is not valid, only that it has not yet been synchronized.
Also, RCA verification does not provide information about other types of insurance, such as CASCO. For these, there are other specific systems and documents.
Useful checklist for drivers - in short, when and how to do RCA verification
- You must do RCA verification before driving
- You must do RCA verification before buying a car
- Be careful and correctly select the RCA verification date
- Use only the official source for auto insurance verification
- Repeat the verification the next day if the policy is very recent
Frequently asked questions about online RCA verification (FAQ)
What is RCA verification?
RCA verification means online consultation of official databases to see if a vehicle has a valid motor third-party liability policy and in what period it is valid.
In Romania, the main reference is the AIDA database, administered by BAAR, where RCA policies issued by insurers are recorded.
Where can I verify online if I have a valid RCA?
You can verify the validity of the RCA policy on the AIDA website, in the dedicated "RCA Policies" section, accessible to the general public.
There are also other websites or applications that send queries to AIDA or offer display of RCA information, but the data source remains the same.
What data do I need for RCA verification?
For RCA verification you need the vehicle's registration number or chassis series (VIN).
In addition, you must choose the date for which you want to verify if the policy is valid, for example the current date or the date of a road event.
Can I verify RCA by registration number?
Yes, you can enter the registration number in the AIDA form, in the required format (type B123ABC, without spaces or hyphens).
The system shows you if there is a valid RCA policy for that number on the selected date and which insurer issued it.
Can I verify RCA by chassis series (VIN)?
If you don't have or don't know the registration number, you can use the chassis series (VIN), usually consisting of 17 characters.
Enter the series exactly, without spaces, and the query will return any RCA policies associated with that vehicle.
Can I verify RCA for a certain date in the past?
Yes, in the form you can choose the date for which you want to find out if there was a valid RCA policy, not just today's date.
This functionality is especially useful when the insurance situation needs to be clarified at the time of an accident or check.
What information do I receive after verification?
The verification result shows if the vehicle is RCA insured on the selected date, the policy validity interval, and the insurer's name.
In some situations you can also see other technical details about the policy, depending on how the display system is configured.
Why doesn't my RCA policy appear in AIDA?
For recently issued policies there may be a delay of a few days until loading into the AIDA database.
If several days have passed and the policy still doesn't appear, check the entered data, and if the problem persists contact the insurer or broker for clarification.
How long does it take to register a new RCA policy in AIDA?
Usually, data transmission from insurers to AIDA is done in an interval from a few hours to a few working days.
The exact duration may vary depending on the insurance company's internal procedures and the time of issue.
What do I do if the system tells me I don't have a valid RCA?
First, check once more if you have correctly entered the registration number or chassis series and the verification date.
If the policy is not found, and you believe you have active RCA, urgently contact the insurer or broker and do not drive the vehicle until you clarify the situation.
Can I verify the RCA of a car that is not mine?
Yes, the AIDA database allows RCA verification only based on the registration number or chassis series, without other personal data.
This possibility is useful, for example, in case of an accident, to verify if the other party has a valid policy.
Can I also verify the bonus-malus class?
On troco.ro, in addition to policy information, you can also check the bonus-malus class associated with the vehicle owner.
Is RCA verification in AIDA recognized by authorities?
AIDA is the official database regarding RCA policies, used as a reference by insurers and authorities.
In practice, however, the main proof remains the valid RCA policy (in electronic or printed format), which you should have at hand.
Can I use only online verification as proof that I have RCA?
Online verification shows the policy status, but does not replace the obligation to be able to present the policy issued by the insurer.
The safest is to keep the PDF of the policy on your phone and, ideally, a printed copy in the car.
What risk if I don't have a valid RCA?
The absence of a valid RCA policy attracts fines, retention of the registration certificate and plates, as well as personal liability for the damages produced.
Compensation amounts in case of an accident can be very high, so the absence of RCA represents a major financial risk.
Are there other websites or applications for RCA verification?
Besides AIDA, there are platforms and mobile applications that offer an RCA verification interface, often connected to the official data.
Some include additional features, such as saving verifications, vehicle history, or integration with other auto services.
Can I receive notifications when my RCA expires?
Some insurance websites and applications allow you to sign up for RCA policy expiration alerts, by email or SMS.
It is useful to activate such notifications, so as not to miss the expiration date and avoid periods without coverage.
Can I verify the RCA of a vehicle registered in another country?
The AIDA database covers RCA policies for vehicles registered in Romania.
For cars registered in other states, verification is done depending on the systems existing in those countries or through national auto bureaus.
Why is it worth verifying RCA periodically?
Periodic verification helps you make sure there are no interruptions between policies and that the vehicle data is correctly recorded.
In addition, you can detect in time any registration errors and correct them before problems appear at a check or in a claim file.
Useful articles - Troco.ro
– Auto insurance RCA - Everything about mandatory RCA insurance
– Insurance for registration – what it is, how to get it quickly and easily?
– Direct RCA settlement: what it means, advantages and disadvantages
Practical solution for RCA price verification – Troco.ro
After you have done RCA verification and know exactly the policy situation, the natural next step is to compare the available options. On troco.ro, a digital insurance platform, you can quickly analyze RCA offers on the market, in a transparent and easy-to-understand way.
If you need a clear, informed and 100% online solution, you can use our calculator for RCA insurance. Safety is, indeed, one click away:
