The Financial Supervisory Authority has published the reference rates for RCA policies

On this occasion, ASF Vice President, Mr. Cristian Roşu, stated that:

“The reference rates, calculated by an independent company, confirm that the RCA market is at a equilibrium point. We cannot discuss, at this moment, about a pressure on the selling price of compulsory civil liability policies. Tariff fluctuations, which we constantly monitor, are within an acceptable range and are of course for a free market.The analysis of the report by Ernst & Young shows that the weighted average reference rate, for the car-individuals segment, registered a decrease of about 7%, compared to the previous period. Of this category, the only component that registered a significant increase was that of cars with a cylinder capacity bigger than 2,500 cc. It is important to note, however, that for this type of vehicle, the actual average tariff with which the policies were sold in the market is below the reference tariff level. I would like to point out that more than half of the vehicles owned by individuals are in the maximum bonus class - B8, which means a 50% reduction in the RCA policy rate.

Regarding the average reference rate for legal entities, there were no significant variations compared to the previous period, neither for cars, nor for freight vehicles. I could point out that for trucks with a capacity bigger than 16 tonnes, the reference rate decreased by 1% compared to the previous period.

I assure you that FSA supervises with full responsibility the insurance market and that it will take, as the case may be, the measures allowed by law in order not to face imbalances that affect the rights and interests of consumers. "

Reference rates can be found on the FSA website here ( in Romanian language).



About ASF

ASF is the national authority set up in 2013 through OUG 93/2012 approved by Law 113/2013, for the regulation and supervision of insurance markets, private pensions and the capital market. ASF contributes to strengthening the integrated operating framework of the three sectors, which amounts over 10 million participants. More information can be found at