RCA is mandatory motor third-party liability insurance for vehicle owners in Moldova. The policy is required for a vehicle to legally participate in road traffic and covers damage that the driver may cause to third parties in a road accident. Today, RCA can be purchased online: you enter the owner’s and vehicle’s details, calculate the price, pay for the policy and receive the insurance document without visiting an office. The most important thing is to carefully check the details, the policy start date and the accuracy of the issued policy.
Buying RCA no longer requires a mandatory visit to an insurance company’s office. A driver can buy the policy online from Chișinău, Bălți, Cahul or any other locality in Moldova: it is enough to have the owner’s and vehicle’s details at hand, choose the policy start date, check the calculation and pay for the insurance.
During a document check or in the event of a road accident, the absence of RCA may lead to fines, difficulties in documenting the incident and financial risks.
In Moldova, RCA is a mandatory policy for vehicles that participate in road traffic. It covers the driver’s civil liability if, as a result of a road accident, damage is caused to another vehicle, property or the health of injured persons.
Through Superpolis.md, you can buy RCA online: calculate the price, check the details, pay for the policy and receive the insurance document remotely.
Why RCA should be purchased in advance
RCA is needed so that, in the event of a road accident, the injured party can receive compensation from the insurance company of the driver at fault. If a driver causes damage to another vehicle, property or another person’s health, the insurance company reviews the case and pays compensation within the limits of mandatory insurance.
At the same time, RCA does not repair the at-fault driver’s own vehicle. If you caused the accident, the injured party may receive compensation under your RCA, but you will have to pay for the repair of your own vehicle yourself if you do not have CASCO.
It is worth buying or renewing RCA in advance if:
- your current policy is about to expire;
- you have bought a vehicle and re-registered the documents;
- the vehicle will be used again after a break;
- the vehicle is registered to a legal entity;
- the vehicle is used by someone who is not the owner;
- you need to check the accuracy of the details before a trip;
- you want to avoid rushing and making mistakes when buying the policy.
Even if the vehicle is used rarely, it is important to make sure that the policy is valid at the moment the vehicle is driven on the road.
Can RCA be purchased online without visiting an office?
Yes, RCA can be purchased online. This is convenient for drivers who need to quickly renew mandatory car insurance, avoid wasting time on the road and not depend on an office schedule.
The process looks like this:
- The driver enters the owner’s details.
- Enters the vehicle details.
- Chooses the policy start date.
- Receives the price calculation.
- Checks the details.
- Pays for the policy.
- Receives the insurance document.
The official RCA.BNM.MD portal provides access to digital tools related to mandatory car insurance, including the calculation of internal RCA, the calculation of Green Card insurance, the verification of the status of internal and external car insurance, information about Bonus-Malus and data on the vehicle’s claims history.
The online format is especially convenient if the driver is not near the insurer’s office, wants to buy the policy in the evening, renew insurance in advance or quickly check the price based on the vehicle details.
What details are needed to buy RCA
To buy RCA online, the owner’s and vehicle’s details are required. It is better to prepare the documents in advance and not enter the information from memory.
Usually, the following details are needed:
- the owner’s personal identification code, if the vehicle is registered to an individual;
- the fiscal code, if the vehicle is registered to a legal entity;
- the vehicle registration number;
- the vehicle registration certificate number;
- vehicle details;
- the policy start date;
- the insurance period;
- contact details;
- the details of the person who uses the vehicle based on a power of attorney, lease, leasing agreement or another legal basis, if this is required when buying the policy.
If the vehicle registration certificate is issued to a legal entity, the policy is also issued taking into account the legal entity’s details. If the vehicle is used by another person, it is important to correctly indicate the basis for use and the details required for issuing the policy.
The most common mistakes are caused by inattention: an incorrect digit in the vehicle registration certificate number, a mistake in the personal identification code, an incorrect vehicle registration number, outdated owner information or an incorrect policy start date.
Before payment, it is better to compare every field with the documents. This takes a few minutes but helps avoid problems after the policy is issued.
What affects the cost of RCA
The cost of RCA is calculated according to established rules and depends on the parameters used in the calculation system. On the RCA Data portal, a quick calculation of the RCA insurance premium can be obtained: for this, the owner’s identification details and the vehicle registration certificate number are entered, and the calculation is performed based on the current data from SIA RCA Data.
The price may be influenced by different parameters, including the owner’s details, the vehicle details, the insurance period and other factors provided by the calculation system. Bonus-Malus is also important — it is a system that takes the insurance history into account and may lead to a decrease or increase in the insurance premium depending on the insured person’s history.
For the driver, the practical conclusion is simple: do not try to “guess” the price in advance, but calculate it based on current data. The same vehicle may have a different RCA cost depending on the owner’s details, insurance history and other parameters.
Through the RCA page on Superpolis.md, you can calculate the price online and proceed directly to buying the policy.
How to choose the policy start date
The start date is one of the most important points when buying RCA. The driver must understand from which day the policy becomes valid and whether there will be any gap between the old and new insurance.
If the old RCA is still valid, the new policy should be purchased so that coverage continues without interruption. If the previous policy has already expired, it is important to clarify from which day the new contract will become valid and not use the vehicle without active coverage.
Check the start date especially carefully if:
- the old policy expires today or tomorrow;
- the vehicle is needed for trips in the next few days;
- the insurance has already expired;
- you are buying the policy in the evening or on a weekend;
- the vehicle was purchased recently;
- the policy is being bought by someone who is not the vehicle owner.
You should not automatically choose the nearest date without checking the term of the old policy. Sometimes a driver thinks that the insurance starts immediately, but the actual start date may be different.
How to check RCA after purchase
After paying for the policy, it is important to make sure that the details are correct. Do not rely only on the payment confirmation: check the insurance document itself and, if necessary, the policy status through official tools.
Check:
- the owner’s name or company name;
- the personal identification code or fiscal code;
- the vehicle registration number;
- the vehicle registration certificate number;
- vehicle details;
- the insurance company;
- the policy start date;
- the expiry date;
- the accuracy of all details in the policy.
On the RCA.BNM.MD portal, you can check whether there is a valid RCA policy using the vehicle details. During the check, you can obtain information about the type of insurance, the mandatory car insurance contract number, the RCA insurer, the intermediary, the start and expiry dates, as well as the policy’s territory of validity.
This check is useful immediately after purchase, especially if the policy was issued urgently or the details were entered manually.
If the RCA was purchased through Superpolis.md, you can contact the broker’s specialists and clarify what steps to take if an error is found in the details.
What happens if you drive without RCA
If a driver without valid RCA becomes responsible for an accident, the damage caused to the injured party will not be covered by their active policy, because such a policy does not exist. As a result, additional expenses and legal difficulties may arise.
The official explanations on RCA.BNM.MD state that driving a vehicle that is not insured in the established manner by mandatory motor third-party liability insurance leads to a fine from 3 to 6 conventional units and 2 penalty points.
That is why RCA should be renewed in advance, without waiting for a document check or an insured event.
RCA and other types of car insurance: what not to confuse
RCA is mandatory motor third-party liability insurance. It is needed to cover the damage that the driver may cause to other people in a road accident.
However, RCA does not cover all risks related to the vehicle. For example, it is not intended to repair the at-fault driver’s own vehicle, protect against theft, fire, hail, a falling tree or parking damage without another participant in the accident.
If the driver wants to protect their own vehicle, it is worth considering CASCO. This is voluntary insurance that may cover damage, theft and other risks if they are included in the contract.
If the vehicle leaves the Republic of Moldova, RCA also does not replace Green Card insurance. For trips abroad, a separate international policy is required, valid in the selected coverage area.
This means that the driver can use different types of car insurance for different purposes:
- RCA — for mandatory civil liability in Moldova;
- Green Card — for trips abroad;
- CASCO — for protecting the driver’s own vehicle.
Common mistakes when buying RCA online
Entering details from memory
Even if the driver knows the vehicle number well, all details matter in the policy. A mistake in the vehicle registration certificate number, personal identification code or owner details may create problems during a check.
Not checking the start date
The start date must correspond to the real need. If the policy becomes valid later than the driver plans to use the vehicle, the vehicle may be left without coverage.
Issuing the policy for the wrong owner
If the vehicle is registered to a legal entity, the details of an individual do not replace the company’s details. If the vehicle is used by another person, the basis for use must be taken into account.
Not checking the policy after payment
After payment, the document must be checked to make sure the details are correct. If necessary, the status can also be checked through RCA Data.
Confusing RCA with CASCO
RCA protects liability towards third parties, not the driver’s own vehicle. If the driver wants to protect the vehicle against damage, another type of insurance is needed.
Waiting until the last day
If the policy is bought in a hurry, the risk of making a mistake is higher. It is better to renew RCA in advance, especially if the vehicle is used every day.
What to do in a road accident if you have RCA
If a road accident occurs, it is important not to panic and to correctly document the circumstances. The next steps depend on the situation: whether there are injured people, whether there is a dispute about fault, how many vehicles were involved and whether the amicable accident report can be completed.
In general, after a road accident you should:
- Stop the vehicle and turn on the hazard lights.
- Check whether anyone is injured.
- Call 112 if necessary.
- Document the accident scene with photos and videos.
- Exchange details with the other driver.
- Determine whether an amicable accident report can be completed or whether the police must be called.
- Contact the insurance company or broker for guidance.
- Submit the documents according to the established procedure.
If the policy was purchased through a broker, you can request guidance and clarify to which insurance company the documents should be submitted. This is important because the injured party usually contacts the insurance company of the driver at fault, and the insurance companies of the accident participants may be different.
Detailed recommendations are available in our article: What to do in case of a road accident in Moldova: step-by-step guide and amicable accident report
Frequently asked questions about RCA online
Can RCA be purchased online from any city in Moldova?
Yes. RCA can be purchased online remotely. The driver does not need to go to an office if all the details can be entered on the website.
What details are needed to buy RCA?
Usually, the owner’s details, personal identification code or fiscal code, vehicle details, registration number, vehicle registration certificate number and policy start date are required.
When does RCA become valid?
You need to check the start date indicated in the policy. Before payment, it is important to make sure that the date matches your plans and that there is no gap between the old and new coverage.
Can I drive without RCA if the vehicle is used rarely?
No. If the vehicle participates in road traffic, it must have a valid RCA policy.
What should I do if there is an error in the policy?
You should contact the insurer or broker through whom the policy was purchased as soon as possible. It is better to correct the error before using the vehicle.
How can I check a valid RCA?
The check can be performed through the official RCA Data tools. Based on the vehicle details, information about the contract, insurer, validity period and coverage territory can be obtained.
Does RCA cover the repair of my vehicle?
If you are at fault in the accident, your vehicle is not repaired under your RCA. RCA is intended to compensate the injured party.
Buy RCA online through Superpolis.md
RCA is a mandatory policy for drivers in Moldova. It can be purchased online without visiting an office: it is enough to enter the owner’s and vehicle’s details, choose the policy start date, check the calculation and pay for the insurance.
This format is convenient for drivers from Chișinău, Bălți, Cahul and other cities: the policy is issued remotely, and the main attention should be paid not to the place of purchase, but to the accuracy of the details, the validity period and checking the document after payment.
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