Insured in minutes
Get your MTPL online from your laptop or your phone.
We do insurance differently. On purpose.
Get fairly priced insurance, fast-track claims, and human-centered service.
Why wasn’t car insurance always
like this?
Your phone is monthly. Your streaming is monthly. Your gym is monthly.
So why was car insurance the odd one out? We changed that.
Split your MTPL into 12 instalments with your debit card. Get it online in minutes from your phone, wherever you are. Insurance that finally fits the way you live.
No loan. No credit check.
100% approval.
It’s insurance, not credit. Got a debit card? You’re in.
Reminders, sorted.
Full-year cover with automatic monthly reminders.
Roadside assistance. On us.
Included with every MTPL policy at no extra cost.
Pay for MTPL like you pay for everything else.
Why let one bill wreck your whole month’s budget? With FlexiPay, it doesn’t have to. You’re covered for the full year from day one. Your debit card handles the rest automatically, month by month.
See how FlexiPay worksWe’ve got you covered
-
MTPL car insurance
The cover you need. Without the hassle. Paid in 12 monthly instalments with FlexiPay. See our MTPL insurance.
-
CASCO
Your own car, protected. On its way.
-
Home insurance
Your home is next. On its way.
Four steps. Zero effort.
-
A few details. That's it.
-
Instantly. No waiting for someone to call you back.
-
Split the cost into 12 monthly instalments with FlexiPay.
-
Your policy lands straight in your inbox.
Fourteen years of changing insurance
for good.
We started in Greece in 2012 with one goal: make insurance smarter, fairer and accessible. Today we’re doing the same in Romania.
- Step 1
1.5m clients
Trust Hellas Direct.
- Step 2
407 people
Making insurance better, every day.
- Step 3
€518m
Paid in claims to date.
Let’s talk
We will make sure to answer back as soon as possible.
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
Frequently asked questions
What is MTPL (Motor Liability Insurance Policy) policy?
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.
What the RCA does not cover: Indemnity limits and exclusions
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
What is the deadline for resolving an RCA damage file?
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.
In case of loss, when do I have to notify a loss?
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.
What is Direct settlement clause
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.