What RCA covers
RCA is compulsory motor third-party liability insurance. It covers damage you cause to others, not your own car; CASCO is voluntary insurance for your own car.
Internal RCA calculator
Select the vehicle, zone and owner to estimate the annual reference premium.
Reference premium for 12 months
1,217.31 MDL
The internal RCA contract term is 12 months.
BNM reference premium (the minimum insurers may charge, before bonus-malus) — an insurer's actual price may be higher.
About internal RCA
Liability limits
For property damage, the limit is EUR 100,000 per accident regardless of the number of victims. For bodily injury or death, the limit is EUR 100,000 per person or EUR 500,000 for several people per accident. Moral damage after disability or death is limited to EUR 5,000 per person or EUR 10,000 for several people.
How the price is formed
Since 14 January 2025, the market has been partially liberalized: BNM sets reference premiums, and each insurer sets its own tariff using its own actuarial calculations, which cannot be below the reference premium. The final price is the base premium multiplied by risk adjustment coefficients and the bonus-malus coefficient. The official trailer coefficient for the towing vehicle is 0.2. The premium is paid in full.
Bonus-malus
Based on claims history, a driver is placed in a bonus class, which lowers the premium, or a malus class, which raises it. You can check your class on BNM's portal and request a five-year claims-history certificate.
Driving without valid RCA
Driving without valid RCA is punishable by a fine of 30–60 conventional units (MDL 1,500–3,000) and 3 penalty points.
Frequently asked questions
What does RCA cover?
RCA covers damage you cause to others, not your own car.
How long is an internal RCA contract?
The internal RCA contract term is 12 months.
Why can the final price differ from the reference premium?
Insurers set tariffs using their own actuarial calculations, but the tariff cannot be below the reference premium. The final price includes risk coefficients and the bonus-malus coefficient.
Where can I check bonus-malus?
You can check your class on BNM's portal or request a five-year claims-history certificate.
What is the penalty for driving without valid RCA?
The fine is 30–60 conventional units (MDL 1,500–3,000), with 3 penalty points.