You can check an RCA policy online in Moldova through the RCA.BNM.MD website. The check helps you see whether the insurance is valid, which insurance company issued it, when the policy starts and when it expires. If the RCA has expired, you should not use the car until a new policy is issued: the absence of mandatory car insurance may lead to a fine and financial risks in case of an accident.
RCA is mandatory motor third-party liability insurance for vehicle owners. The policy does not repair the at-fault driver’s car, but covers damage caused to third parties as a result of a road accident. That is why it is important for the driver to regularly check the insurance status: the validity period, the accuracy of the data and whether the policy is registered in the system.
Let’s discuss why it is important to check an RCA policy, where to check car insurance online in Moldova, what data is needed, how to understand that the policy is valid, what to do if it has expired and whether a new RCA can be quickly issued online.
Why it is important to check RCA regularly
Many drivers only remember about RCA when the policy is almost expired, when the car is stopped for a check or when they urgently need to drive somewhere. But checking the insurance in advance helps avoid problems that usually appear at the most inconvenient moment.
Regular RCA checks are especially important if you have recently bought a car, purchased insurance online, do not remember the expiry date of the old policy or are not sure that the data was entered correctly. Even if the policy has been sent to your email, it is useful to make sure that it appears in the digital system and refers specifically to your car.
Checking RCA helps you:
- make sure the insurance is active;
- check the start and end date of the policy;
- see whether the policy has expired;
- verify the vehicle details;
- avoid a gap between the old and new policy;
- issue a new RCA on time;
- reduce the risk of a fine and problems in case of an accident.
→ Check your RCA term and issue a new policy on Superpolis.md.
Where you can check a policy online in Moldova
The main online service for checking the validity of mandatory car insurance in Moldova is connected to the RCA Data system. Through the official portal, you can access information about active RCA policies and check the insurance status using vehicle or contract data.
For verification, you can use the official digital tools of RCA.BNM.MD. The portal provides access to data stored in the RCA Data information system, including the status check of internal RCA insurance and external Carte Verde insurance.
This check is useful not only after purchasing the policy, but also before renewing it. If you see that the policy is about to expire, it is better not to postpone issuing a new one until the last day.
What data is needed for verification
The set of data depends on the specific verification form. Usually, information from the vehicle documents and the insurance contract is used. It is important to enter it accurately, without abbreviations and not from memory.
- vehicle registration number;
- vehicle registration certificate number;
- IDNV or other data, if requested by the form;
- RCA policy or contract number;
- owner or policyholder details, if required.
If the system does not find the policy, this does not always mean that the insurance does not exist. First, check whether the numbers and letters were entered correctly. A mistake in the technical passport number, registration number or another identifier may cause the check to return an incorrect result.
How to understand that the policy is valid
A policy can be considered valid if the check displays correct data and the validity period covers the current date. You should look not only at the existence of the contract, but also at the details.
Check the following points:
- the insurance appears in the system;
- the correct vehicle is indicated;
- the owner or policyholder details match the documents;
- the start date has already arrived;
- the expiry date has not passed yet;
- the policy refers to mandatory RCA insurance;
- there are no obvious mistakes in the vehicle number or documents.
Pay special attention to the start date. If the policy was issued in advance, it may not become valid immediately, but only from the selected date. If the start date has not arrived yet, the vehicle cannot be used as an insured car.
What to do if the insurance has expired
If the check shows that the RCA has expired, you should not continue driving the car until a new policy is issued. An expired policy effectively means that there is no valid mandatory insurance coverage.
Act as follows:
- Do not use the car until a new RCA policy is issued.
- Prepare the vehicle registration certificate and the owner’s details.
- Issue a new policy online or through an insurance broker.
- Check the start date of the new contract.
- Save the electronic policy and the payment confirmation.
- After the policy is issued, if necessary, check the insurance status online again.
If the old policy has already expired, the new RCA usually starts no earlier than the next day. That is why it is important to monitor the term in advance and renew the insurance before the current policy expires.
What fines apply for driving without RCA
RCA is a mandatory type of car insurance for vehicles used on the roads of Moldova. If a driver operates a vehicle without valid mandatory insurance, this may lead to penalties.
According to current reference information on road fines, driving a vehicle without a mandatory motor third-party liability insurance policy may be punished by a fine ranging from 1,500 to 3,000 lei.
But the fine is not the only risk. If a driver without valid RCA becomes responsible for an accident, the costs of compensating the injured parties may fall on the driver personally. These may include vehicle repair, property damage, towing, medical expenses and other consequences of the accident.
Can a new policy be issued online
Yes, RCA can be issued online. This is convenient if the old policy is about to expire or if you have already discovered that the insurance has expired. Online issuance allows you to submit the data, receive an individual price calculation and pay for the policy without visiting an office.
Usually, the process looks like this:
- Open the RCA issuance page.
- Enter the owner’s personal or fiscal code.
- Enter the vehicle registration certificate number.
- Check the vehicle and owner data retrieved by the system.
- Receive an individual price calculation.
- Pay for the policy online.
- Receive the electronic document and check the start date.
Incorrectly entered data may cause the system to retrieve information about another car or another owner. Therefore, before payment, you need to carefully check the personal code, fiscal code, technical passport number and vehicle details.
→ You can issue RCA online in just a few minutes on Superpolis.md.
Common mistakes when checking RCA
Checking insurance online takes little time, but users often make mistakes that lead to an incorrect result or make them miss the policy expiry date.
- They check only the PDF file, but do not verify the insurance status online.
- They do not pay attention to the start date of the new policy.
- They confuse the issue date with the start date of insurance coverage.
- They enter the registration number or technical passport number from memory.
- They do not check the owner’s details after buying a car.
- They postpone renewal until the last day.
- They continue using the car after the RCA has expired.
To avoid these mistakes, save the RCA expiry date in your calendar and set a reminder a few days before the policy ends. This is especially important if the car is used every day.
How to check the validity of an online policy after purchase
After buying RCA online, do not limit yourself to receiving the document by email. Open the policy and check all key data: the vehicle, the owner, the validity period, the contract number and the coverage start date.
If you notice a mistake, immediately contact the insurer or broker through whom the policy was issued. Do not wait for a road check or an insurance case. The earlier the mistake is found, the easier it is to correct it.
If an accident has already occurred or you have a question about what to do in an insurance case, it is useful to open the “Insurance case” page on Superpolis.md in advance: it contains basic steps for different situations and explains how to receive support.
Short checklist: what to check before driving
- RCA appears in the verification system.
- The start date has already arrived.
- The expiry date has not passed yet.
- The vehicle number is indicated correctly.
- The owner’s details match the documents.
- The electronic policy is saved on your phone and in your email.
- If a trip abroad is planned, Carte Verde has been issued separately.
→ If, in addition to RCA, you plan to travel abroad, issue a Green Card through Superpolis.md in advance.
Frequently asked questions
Where can I check an RCA policy online in Moldova?
The validity of RCA can be checked through the digital tools of RCA.BNM.MD connected to the RCA Data system. The check helps you see the insurance status and the policy validity period.
What data is needed to check RCA?
Usually, vehicle or policy data is used: registration number, registration certificate number, contract number or other data requested by the verification form.
How can I understand that RCA is valid?
The policy must appear in the system, refer to the correct vehicle and have an active validity period: the start date has already arrived and the expiry date has not passed yet.
What should I do if RCA has expired?
Do not use the car until a new policy is issued. Prepare the documents, issue RCA online and check the start date of the new insurance.
Can I issue RCA online if the old policy has already expired?
Yes, you can issue a new RCA online. But if the old policy has already expired, the new one usually starts no earlier than the next day, so it is better to renew the insurance in advance.
Do I need to print the electronic RCA?
It is convenient to keep the electronic policy on your phone and in your email. For peace of mind, you can also save the PDF in the cloud or print a copy, but the most important thing is that the policy is valid and correctly displayed in the system.
Issue RCA online on Superpolis.md
Checking an RCA policy online helps you notice the expiry date in time, avoid gaps in coverage and use your car calmly. If the policy term is coming to an end, it is better not to wait until the last day: prepare the documents and issue a new RCA in advance.
On Superpolis.md, you can issue RCA online, check the data before payment and receive the electronic policy. If you are not sure what data needs to be entered or when the new contract will become valid, Superpolis specialists can guide you and help you avoid mistakes.