It pays itself
Your instalments come off your debit card automatically. Every month.
Still paying your MTPL
in one bill?
MTPL covered the whole year. Your budget had to survive day one. We changed that. Get your MTPL online in minutes and split the cost into 12 monthly debit-card instalments.
- Fair and personalized pricing
- Online, in minutes, from your phone
- No credit check - no loan
- Your policy, straight to your email
- Roadside assistance included
A full year of MTPL cover.
One month at a time.
FlexiPay splits the cost of your full-year MTPL into 12 automatic monthly debit-card instalments. Get it online in minutes from your laptop or phone, wherever you are.
See your price-
100% approval
No credit card. With just your debit card, you get MTPL with FlexiPay.
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12 monthly instalments
Automatic, on your debit card, for 1 year of MTPL cover.
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0 loans
No credit checks or paperwork.
It’s instalments, not credit.
What you’re covered for.
No insurance dictionary required.
MTPL insurance
MTPL is mandatory for every vehicle registered in Romania, whether you drive it every day or it stays parked. You can buy it for 1 to 12 months, as an individual or a company. And with Hellas Direct, you can get your MTPL directly online through our website, in just a few minutes.
Learn more from our guide (PDF)-
MTPL Insurance Policy information
MTPL is a mandatory insurance for all vehicles registered in Romania, whether in use or not. Available for terms from 1 to 12 months, it offers financial protection to the driver and compensation to third parties for injuries, damages, or losses caused by the insured vehicle. Without MTPL, an at-fault driver is liable to cover all damages out-of-pocket, which can be costly.
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MTPL calculator
HD Insurance offers MTPL insurance through brokers and online platforms in Romania. For quotes, contact their partners. Prices are based on ASF guidelines, factoring in vehicle age, specifications, contract terms, and bonus-malus ratings for individuals and businesses.
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MTPL cancellation
Need to cancel your MTPL policy? Notify HD Insurance as per Law 132/2017. You will need to download this form and send it to us.
For cancellations due to vehicle sale, export, or theft, provide proof (e.g., sales document, certificate of theft), policy details, and bank info. Email documents to support@hellasdirect.ro. Refunds go directly to the policyholder’s bank account. -
High risk insurance policies
For high-risk drivers, BAAR policies (effective 10.02.2023) follow ASF guidelines. Submit your BAAR allocation data to riscridicat@hellasdirect.gr within 10 days. Policies last 12 months with full premium payment. Compensation limits: €1,220,000 (property damage) and €6,070,000 (injuries/death).
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MTPL Damages
MTPL (Green Card) insurance covers third-party injuries and damages in accidents. To file a claim, report immediately with all relevant documents. In Romania, call 0219705 (Mon-Fri, 9 AM–5 PM). For fatalities, email vatamari@hellasdirect.ro. For incidents abroad, email greencard@hellasdirect.ro.
Fair prices, tailored to you.
Get your personalised car insurance price online in minutes and see exactly what you’ll pay before you buy.
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Fair pricing
Calculated using your details.
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Personalized price
Your car. Your profile. Your MTPL price.
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Online in minutes
Quick to calculate. Easy to understand.
More than MTPL: roadside assistance included, on us!
Roadside assistance is included with your MTPL at no extra cost, so help is already there when your car lets you down.
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We’ll get your car to the garage of your choice.
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We’ll get you where you need to go.
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We’ll change your tyre so you can get on with your day.
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If possible, we’ll charge your battery on the spot.
MTPL that runs itself. You just drive.
- Step 1
- Step 2
Always in the loop
Payment confirmations and reminders, before you need them.
- Step 3
Policy in your inbox
Your documents land in your email. No paper chase.
- Step 4
No surprises
See your annual premium and every instalment date before you buy.
Sign up online in just a few minutes
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Share your vehicle details, contact info and registration number.
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See your cover, limits and the roadside assistance included with your MTPL.
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Check your price in 12 monthly instalments, then pay with your debit card.
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 021 9705.
FAQ
What is FlexiPay?
FlexiPay is how you pay for MTPL with us. You’re covered for the whole year and pay in 12 automatic monthly instalments with your debit card. Set it up online in minutes from your phone, wherever you are.
Am I insured for the full year?
Yes. Your MTPL covers you for the whole year. The 12 monthly instalments are simply how you pay. Coverage begins on the date stated in your insurance documents and remains subject to the policy terms and payment conditions.
Is FlexiPay a loan?
No. No loan, no credit application, no financing paperwork. FlexiPay is simply a way to pay your insurance premium month by month.
What if a payment fails?
We’ll let you know if a payment can’t be collected. The payment recovery process, deadlines and any effect on your policy are explained in your FlexiPay terms.
Will you remind me when my MTPL expires?
Yes. Your insurance documents show the expiry date, and we’ll send digital reminders so you don’t have to keep it in your head.
Who can get FlexiPay?
Anyone with a debit card. 100% approval, with no credit check.
Is roadside assistance included?
Yes. Eligible roadside assistance comes with FlexiPay at no extra charge, subject to the applicable coverage conditions and territorial limits
How much does MTPL cost in 2026?
It depends on your age, your car’s engine power, where it’s registered and your Bonus-Malus class. Use the MTPL calculator to see your annual price and your monthly FlexiPay instalment.