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We’re awarded not just for speed and efficiency - but because we treat customers like our own.
Our smart algorithm delivers fair prices every day, with no fine print.
Once you file a claim, we take over - and handle everything faster than ever.
With our FlexiPay, you get easy instalments built for real budgets - not rigid financing terms.
Insurance solutions designed to meet real needs, fair prices that respect your budget, and a commitment to building trust that lasts a lifetime.
We use our own technologies and we embrace innovation, helping you feel secure, no matter what comes your way.
Insurance you can pay in the way you want to pay. No small print, no hidden fees, no worries.
We are the most recommended insurance brand in Greece, with the highest Net Promoter Score. We’re dedicated to applying the same customer-centric approach in Romania.
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For submitting a new claim, fill in the claim declaration form
For opened claims, claims@hellasdirect.ro
For your policy, support@hellasdirect.ro
For complaints, complaints@hellasdirect.ro
For claim inquiries please contact us by phone at 21 9705
A Motor Liability Insurance (known as RCA) is mandatory insurance for all owners of vehicles registered in Romania. This covers compensation caused to third parties following a road accident caused by the fault of the insured. RCA insurance covers the costs of damage to the motor vehicle of the driver who is not at fault.
Damage caused to your own car, in which case you will need the optional CASCO Insurance
Damage caused by an unlicensed driver, in which case the RCA policy can be cancelled
Intentional accidents
Accidents caused by a driver under the influence of alcohol or illegal substances, in which case the RCA policy can be canceled
Theft or vandalism for its own vehicle, for which you will need the optional CASCO Insurance
Damages resulting from accidents where the injured person is the only one responsible for the accident
Damages that exceed the limits of liability set forth in the RCA contract
Situations in which the owner, user or driver of the damaged vehicle is obliged to pay fines or criminal charges
Damages produced during work operations and falling within the risks of professional activities, for which you will need Car Insurance for companies
After submitting the claim for compensation, the insurer has 30 days to give you an answer. The insurer can approve the request and make an offer of compensation or can partially or totally refuse the request for compensation.
The compensation offer must contain the detailed calculation of the repair costs and the rates according to which the labor was calculated.
If the claim for compensation has been approved, and the injured party accepts the quantified amount, then the insurer has 10 days to make the payment.
The insurer has the right to order its own investigation, even if the claim file is complete and there is a document of guilt (the Amicable Claim Accident form or police report).
The term in which the insurer is obliged to notify the injured party regarding the performance of its own investigation is 5 working days from the opening of the claim file. The communication of the result must not exceed 30 days from the date of submission of the claim for compensation.
The investigation takes place when the insurer has certain suspicions regarding the factors responsible for the accident.
The occurrence of an event must be reported to Hellas Direct:
Within 24 hours at the most from when the event occurred
Within 5 business days at the most, from when you took note of the loss occurrence.
Direct settlement is, by law, an optional damage management service to the insurer where the injured person has concluded the MTPL policy. The service is obligatorily offered by the insurer at the conclusion or renewal of the policy. The purchase of this clause is optional for the insured.
The direct settlement allows that, in case of a vehicle accident, the damaged person to receive the compensation from the insurer at which he concluded the RCA policy.
