Mistakes to Avoid When Buying RCA Insurance Online

Buying RCA insurance online has become the fastest and most convenient option in recent years. Even so, simple mistakes can lead to higher prices, incorrectly issued policies, or problems with compensation after an accident.

This guide explains the most common mistakes people make when purchasing RCA online, how to avoid them, and how to choose the best offer for your vehicle.

This article is useful if you want to:

• buy cheap RCA online;
• compare RCA offers correctly;
• purchase RCA safely and without unnecessary risk;
• avoid problems that may arise in the event of a claim;
• choose an authorised and easy-to-use insurance website.

How to buy RCA insurance online the right way

RCA insurance is mandatory in Romania for all registered vehicles, according to Law no. 132/2017, and vehicle owners must hold a valid RCA policy whether they use the car or not.

Buying RCA online is a simple and efficient process, but entering incorrect data or selecting an unsuitable offer can create serious problems, such as:

• an invalid policy that will not be accepted during a police check;
• compensation refused by the insurer after a claim;
• a higher premium than necessary for the RCA policy;
• time lost and extra effort for corrections;
• sanctions for expired RCA or a policy that is not valid.

To avoid these issues, it is important to know exactly what to check before purchasing RCA online. Below are the most common mistakes made when taking out an RCA policy.

Mistake 1 – Entering vehicle and owner details incorrectly

This is the most common mistake when issuing car insurance online: entering incorrect details from the registration certificate and the owner’s identity document.

The most frequent errors involve:

• an incorrect chassis number, often because letters and numbers are confused;
• an incorrect engine capacity or power value;
• a wrongly entered registration number;
• a policy issued for a different owner than the actual user or driver;
• an incorrect personal identification number (CNP).

These are among the most common mistakes made when requesting and issuing online insurance quotes, and they can lead to a policy being issued incorrectly. In such cases, the price may need to be recalculated, the policy may be cancelled, or, in the event of a claim, the insurer may refuse compensation.

What to check before issuing the RCA policy

There are several details you should always verify before issuing an RCA policy online in order to avoid entering incorrect information and prevent unpleasant situations later.

First, have the following documents ready: the vehicle registration certificate, the car’s identity document (CIV), and the owner’s identity card.

With these documents in front of you, you will be able to enter all the information required for an RCA quote correctly, because everything requested by online insurance platforms can be found in them.

Special attention should be paid to the Bonus-Malus class. After the platform generates an offer, check whether the bonus-malus class shown in the quote matches the class on the previous RCA policy.

Mistake 2 – Choosing the cheapest RCA without checking the insurer

When it comes to RCA insurance, most drivers choose the cheapest offer without checking the insurer or reviewing all the policy details, assuming that it is an insurance product they will not personally benefit from unless something goes wrong.

The cheapest RCA policy is not always the best choice, especially when considering what has happened on the Romanian market in recent years with the bankruptcies of City Insurance and Euroins.

Before choosing an RCA offer, it is important to check:

• whether the insurer is authorised in Romania; you can consult the list of authorised insurance companies;
• the reputation of the insurance company you are considering;
• how quickly the company pays claims;
• whether the insurer has many complaints or a strong financial position.

This is not a rule in every case, but choosing the lowest price can lead to delayed compensation after a claim, complicated procedures, problems at the service centre, or slow claim handling.

Another extremely important aspect is checking whether the chosen insurer provides RCA coverage abroad, so you avoid situations where you are not protected when travelling outside the country.

For that reason, it is recommended to buy RCA from an online insurance website that generates all available offers and allows you to communicate and ask questions if needed.

Mistake 3 – Choosing the wrong insurance period

Selecting the insurance period can be a mistake if it does not match your actual needs. That is why it is worth thinking carefully before taking out RCA online.

Even if you do not use your vehicle for 12 months, the most cost-effective option may still be a one-year RCA policy rather than a shorter period.

For example, if a 12-month policy costs 1,000 lei and a 3-month policy, which is all you need, costs 800 lei, it may be better to choose the annual policy because you also get coverage for the remaining nine months for just 200 lei more.

The opposite situation also exists: some drivers take out a one-year policy even though they only need coverage for a very short period, usually no more than one month, often people who return from abroad once a year.

In such cases, even if the price-to-period ratio is not ideal, it is more practical to buy car insurance for one month, especially if the car will not be driven for the rest of the year.

On most online platforms, including asignet.ro, RCA can be issued for 1 month, 3 months, 6 months, and 12 months, or upon request for any period that is a multiple of one month (2, 4, 5, 7, 8, 9, 10, 11 months).

Before choosing the insurance period, you should analyse both your needs and the cost. The mistake appears when you choose a duration without considering your real situation.

Examples of situations to keep in mind include: selling the car soon, planning to deregister it, driving it very little, spending most of the year abroad, or preparing to change vehicles. Choosing the right period can help you save money.

Mistake 4 – Not checking the Bonus-Malus class

The factor that influences RCA price the most is the Bonus-Malus class. If the system cannot find the correct history, the insurance policy may become much more expensive.

The most common issues that can distort the bonus-malus class are:

• an incorrect CNP;
• a changed owner, different from the one in the documents;
• older policies not registered in the aida.info database;
• a vehicle registered to a company instead of an individual, or vice versa.

There are many situations in which these errors can affect the bonus-malus class and, as a result, online insurance platforms may generate incorrect RCA offers. That is why it is important to verify the class carefully when requesting quotes.

To check whether the bonus-malus class is correct, you can do the following:

• carefully verify the owner’s details, especially the CNP;
• check your policy history; if you have had no claims, the bonus-malus class increases each calendar year up to B8;
• verify whether you had any claims during the last insurance year.

If, after carrying out all the checks above, you find that the online insurance platform is generating the wrong bonus-malus class, contact the insurer for clarification and possible corrections.

Mistake 5 – Buying RCA from unsafe websites

This mistake is less common because there are very few websites considered unsafe that promote RCA sales, and when they do appear, they are usually reported and taken down quickly.

Still, to avoid problems, it is best to stay away from websites that do not provide contact details, do not mention the broker they operate for, request payment into personal accounts, or offer support by email, phone, or WhatsApp.

If you do not identify such websites in time, you may pay for a false or unregistered policy, lose money, later face problems during a police check because you do not have a valid policy, or, worse, discover after an accident that you actually do not have valid RCA coverage.

For this reason, everyone should buy RCA insurance, or any other type of insurance, only from safe and authorised car insurance websites. The simplest way to check is whether the website displays an email address or phone number and whether you receive a reply when you contact them.

Mistake 6 – Not checking the RCA policy after purchase

After completing the quote and issuance process, you will receive the RCA policy by email or in your account on the platform. It is a good idea to check all the details immediately, including:

• the owner’s first and last name and address;
• the owner’s CNP or CUI;
• the vehicle registration number;
• the chassis number (identification number);
• the policy validity period.

If you notice any mistake, it must be corrected quickly. You should contact the representatives of the website where the policy was issued so they can reach the insurance company and make the necessary changes.

Mistake 7 – Leaving RCA renewal until the last day

One of the most common mistakes is waiting until the last day to renew or issue an RCA policy, because several problems can arise when you actually buy the insurance.

The most frequent issue is that RCA renewal prices may increase on the final day, as many insurance companies apply higher prices in the last few days before renewal.

That is why it is important to choose the right time to renew car insurance. You can check prices in advance, keeping in mind that a policy can be renewed up to 60 days before it expires.

Approximate prices for any type of car, regardless of brand or owner, can be estimated by consulting the RCA price table, where you will find ready-made calculations prepared by our specialists.

Other problems that can arise when you leave RCA until the last minute include:

• payment may not be processed, so the policy is not issued;
• platform errors may prevent the RCA policy from being issued instantly;
• you may end up without insurance because of technical issues, risking a fine and the retention of the registration certificate.

Our recommendation is to buy RCA at least 2-3 days before expiry or before the date you need it. You can calculate RCA offers on asignet.ro to help you buy RCA at the best possible price.

Mistake 8 – Not comparing RCA offers online

Many vehicle owners buy RCA by choosing one insurer or another without using an RCA comparison tool to generate and compare all available offers.

Price differences between insurers can be significant, sometimes amounting to several hundred lei, and using an Online RCA Offer Comparison Tool can help you save a substantial amount on your policy.

To avoid this mistake, you should:

• compare RCA offers online;
• check prices from all authorised insurers;
• review the differences and choose the policy that suits you best, with full knowledge of the options.

The RCA comparison tool available on asignet.ro generates offers from all insurers, helps you see everything in one place, and sorts the results by price so you can choose the best available option.

Where to buy RCA online safely and quickly in 2026

The safest and most efficient way to buy RCA online is to choose an insurance website or platform that is easy to use and shows all available RCA offers.

The advantages of using such an online insurance platform are:

• you can see all RCA prices from all insurance companies;
• you can choose the best available offer for your vehicle;
• the policy is issued instantly, and within minutes your RCA is completed;
• you receive the RCA contract on email or directly on your phone;
• it is much more convenient and does not require unnecessary trips or copies of documents;
• the policy is issued without additional costs.

One such platform is smartsales asignet.ro, which you can access free of charge by clicking this link or one of the buttons in this article.

As soon as you enter the platform, you can quickly calculate the RCA price, compare the offers you receive, and buy your car insurance online in just a few minutes with minimal effort.

How to choose RCA online correctly without risks

If you have gone through the points covered in this article, you can buy RCA insurance online correctly and avoid mistakes that may seriously affect both the price you pay and the accuracy of the policy issued.

In short, to complete an online car insurance purchase properly, make sure you:

• enter the information from your documents correctly, including the owner’s identity card, the vehicle registration certificate, and the car’s identity card;
• check the insurer so you know it is a reliable company;
• compare offers and choose the one that best fits your needs;
• review the RCA policy you issued;
• buy online insurance from a safe website;
• do not wait until the last day to issue a policy or renew an existing one.

If you follow these rules, you can buy cheap, safe, and correctly issued RCA online, without unnecessary costs and without compensation problems in the event of a claim.