If you want a clear answer to the question How far in advance can an RCA policy be renewed?, you’re in the right place. Below, we explain everything you need to know about renewing an RCA motor insurance policy.
There is a lot of incorrect information on this topic, so the next section clarifies, with the relevant legal basis, how early an auto insurance policy (RCA) can be renewed.
The answer is straightforward: if an RCA policy is still valid, it can be renewed at any time starting 60 days before it expires.
In practice, this means you can renew your car’s RCA policy only once it has entered its final 60 days of validity. No matter which insurer you choose for an affordable RCA renewal, the policy you want to renew must be within those last 60 days.
RCA insurance can be purchased 60 days in advance
Until 21 August 2023, RCA policies could be renewed up to 30 days before expiry, but following an amendment to ASF Norm No. 20/2017, the period was extended to 60 days.
The current rules, namely ASF Norm No. 20/2017, provide in Article 1, paragraph (12), the following:
RCA insurers conclude RCA contracts whose validity begins no later than 60 days after the date of issue.
excerpt from ASF Norm No. 20/2017
The amendment to ASF Norm No. 20/2017, which originally allowed RCA contracts to begin no later than 30 days after issue, was published in the Official Gazette, Part I, No. 756 of 21.08.2023.
Extending the deadline to 60 days was more than necessary, as it gives customers a better chance to plan their insurance policies more carefully and avoid financial pressure when renewal time comes.
As for when RCA cover becomes valid, in most cases, when the vehicle is already registered in Romania, the policy can begin no earlier than the next working day after it is issued.
In practice, any RCA policy for a registered car purchased today will usually become valid at the earliest from 00:00 midnight on the following day.
The situation is slightly different for RCA insurance taken out for registration transfer, which can also be purchased at any time and may become valid starting on the very day it is issued.
According to Law No. 132/2017, insurers or insurance intermediaries must inform policyholders and contracting parties about the expiry of the RCA contract and the possibility of renewing it, 60 days before the contract ends.
Even so, the broker or website through which you purchased the RCA policy is required to notify you 30 days before expiry and to provide you with the offer for renewing the RCA.
All customers of our cheap online insurance platform are notified 30 days before their RCA policy expires, and they also receive the available price offers for renewal.
Anyone who wants to compare RCA offers can do so using the latest and most modern Insurance Offer Comparator, a fast and easy-to-use tool that generates all available RCA offers in just a few dozen seconds.
After entering your details for a cheap RCA quote and viewing the available offers, you can choose the insurer you prefer and issue the RCA policy immediately; it will be available instantly in electronic format.
So, as of 21.08.2023, RCA policies can be renewed up to 60 days before they expire, instead of the previous 30-day limit, and new policies can also be purchased up to 60 days in advance.
This is a very useful measure, especially during periods when RCA prices are expected to rise, because drivers can renew earlier and secure better insurance rates before the increase takes effect.
We hope that after reading this article, anyone interested will have a clear answer to questions such as: how far in advance can RCA insurance be renewed, when can I renew my RCA policy, and will I be notified when my RCA expires?
This article is part of the Q&A section launched on our cheap online insurance website, created to answer the most common questions from online users and others about insurance products.
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