Insurance premiums and claims history

Motor insurance premiums differ from one EU country to another, mainly due to differences in national contract laws, risk assessments and compensation schemes or complex and expensive international claims management.

In some EU countries, your claims history can affect your insurance premiums. You may have heard this called a no-claims discount, no-claims bonus or bonus-malus system. If you make no claims during the year, your insurer may give you a discount when you renew your contract. But if you made a claim, you may be asked to pay more.

You can ask your insurer at any time for a record of any claims you have made over the last 5 years. They must provide this within 15 days.

Prevederi privind emiterea certificatelor de daunalitate

(în vigoare la 10.01.2022)

BAAR elibereaza, la cerere, un certificat de daunalitate, document care contine informatii referitoare la daunele inregistrate pe parcursul ultimilor 5 ani de asigurare, respectiv absenta acestor daune, dupa caz.

Potrivit prevederilor Legii nr. 132/2017, art. 18, alin. (10): “Asiguratorul RCA elibereaza asiguratului/utilizatorului, in termen de 15 zile de la inregistrarea solicitarii acestuia, un certificat privind daunele inregistrate, pe parcursul ultimilor 5 ani de raporturi contractuale, sau absenta acestor daune”.
https://www.baar.ro/info-certificat-de-daunalitate/
https://www.scribd.com/document/460626117/certificat-de-daun...