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    The A.S.F does not set RCA (civil liability insurance) reference tariffs, it only publishes them
The A.S.F does not set RCA (civil liability insurance) reference tariffs, it only publishes them


  • Estimating reference tariffs is based on statistical data regarding the RCA insurance market, namely historical data (for the last five years) on insurance policies and related damage. Therefore, the latest reference tariffs are not representative of the events of the COVID-19 pandemic period (reduced traffic, fewer accidents).


Bucharest, 19 May 2021 – Given the information that appeared in public, the Financial Supervisory Authority (A.S.F.) makes the following statement:

A.S.F. publishes the reference tariffs for the compulsory insurance against civil liability (RCA), in accordance with the provisions of Law no. 132/2017 on the compulsory insurance against civil liability for the damage to third parties caused by vehicle and tram accidents.

Reference tariffs are calculated every six months, according to the law, by an independent company depending on: vehicle categories (cars, freight vehicles, passenger cars, etc.), type of insured (legal entity / natural person), age of policyholders for individuals as well as technical features of vehicles (engine capacity or power, maximum authorized mass, number of seats). A.S.F. has only the legal obligation to publish the reference tariffs.

The publication of reference tariffs is a step leading to increased transparency, information and also to informing consumers and companies in the market of accurate and complete information on RCA. The reference tariffs do not represent rates at which the compulsory insurance against civil liability is concluded on the market.

The estimation of reference tariffs, which uses the calculation formula defined in art. 2 point 24 of Law no. 132/2017, is made based on statistical data available on the RCA insurance market, namely historical data on insurance policies and related damage, from all insurance companies authorized and regulated by the A.S.F. and from a branch operating on the Romanian territory, under the right of establishment, which concluded RCA insurances at the reference date.

The reference period for the historical data used in determining the reference risk premium, the loading and the reference tariff (or gross reference premium) is the last 5 years of events prior to the reference date.

Reference tariffs are calculated for Bonus / Malus B0 class.



About the Financial Supervisory Authority

The Financial Supervisory Authority is the national authority, established in 2013 by GEO 93/2012 approved by Law 113/2013, for the regulation and supervision of the insurance markets, private pensions, as well as the capital market. The FSA contributes to strengthening the integrated functioning framework of the three sectors, amounting to over 10 million participants. More information can be found on www.asfromania.ro.


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